YOUR PARTNER FOR
FINANCIAL WELLNESS
9/2018
What is SECU
❑ Established by state employees in 1937, SECU is a not-for-profit financial cooperative owned by its members
❑ SECU’s membership consists primarily of NC State Government and Public School employees and their immediate family members
How SECU Can Help
State Employees’ Credit Union offers a variety of
products and services to help members create and
maintain a financial plan through all phases of life.
SECU Share and Deposit Accounts
Savings
❑ Share Account
❑ Money Market Share Account
❑ Share Term Certificate
❑ FAT CAT and Zard Share Accounts for Youth
Checking
❑ Interest Bearing
Checking Account
❑ Debit Cards
❑ Online BillPay
❑ Convenient ATMs
Retirement*
❑ Traditional IRA
❑ Roth IRA
❑ SEP IRA
*Investment IRAs offered through Credit Union Investment Services (covered later)
The National Credit Union Administration (NCUA) insures funds on deposit with SECU. The basic insured amount for a credit union member is $250,000.
SECU Loans and Lending Services
Personal
❑ Signature Loan
❑ Share Secured Loan
❑ Salary Advance Loan
❑ Share Term Certificate Secured Loan
❑ VISA® Credit Card
Auto
❑ New Vehicle
❑ Used Vehicle
❑ Car Buying Service
❑ Auto Power Program
Mortgage
❑ Adjustable Rate Loan (ARM)
❑ Fixed Rate Loan
❑ Home Equity Line of Credit
❑ Construction Loan
SECU Financial Advisory Services
Credit Union Investment ServicesWholly-owned subsidiary of SECU; NC Registered Investment Advisor
❑ Review members’ goals, financial circumstances,
tolerance for market risk and time horizon
❑ Review statements from other financial institutions:
analyze asset allocation & expense
❑ Recommend low-cost, well-diversified mutual fund
investments
Investment advisory services offered through Credit Union Investment Services. Securities offered through SECU Brokerage Services. Member FINRA, SIPC. Securities products are not credit union deposits. They are not obligations of or guaranteed by a credit union or its affiliates. They are not insured by the NCUA or any federal government agency. Securities products involve investment risks, including possible loss of principal. Investment representatives are also credit union employees, who may accept deposits.
SECU Financial Advisory Services
Tax Preparation Services❑ Low-Cost Service
❑ TurboTax ® via www.ncsecu.org
Financial Counseling❑ Credit Report Review
❑ Spending Plan Review
❑ Debt Elimination Counseling
❑ Future Financial Goals Discussion
Retirement Planning ❑ Pre-retirement - retiring in over 3 years
❑ Nearing retirement - retiring in 3 or less years
❑ During retirement
SECU Financial Advisory Services
Insurance Services❑ Homeowners, Auto and other Personal Lines
(motorcycle, boat, etc.)
❑ Health Insurance
❑ Term and Whole Life Insurance
❑ Immediate and deferred annuities
❑ FAT CAT and Zard Group Life Insurance
Education Planning❑ FAFSA Assistance
❑ NC 529 vs. Coverdell ESA Advice
SECU Financial Advisory Services
Estate Planning & Trust Services❑ “When should I create an estate plan and where do I begin?”
❑ SECU’s Estate Planning Essentials Program
❑ Corporate Trustee services
❑ Corporate Executor services
Trust Services offered through MEMBERS® Trust Company, a federal thrift regulated by the Office of
the Comptroller of the Currency. Trust products are not credit union deposits, are not insured by the
NCUA or any other federal government agency, are not obligations of or guaranteed by the credit
union, MEMBERS® Trust Company or any affiliated entity, and involve investment risks, including the
possible loss of principal. The material above is for educational purposes only and is not intended to
provide legal or tax advice regarding your situation. For legal or tax advice, please consult your
attorney and/or tax professional
Making the Connection
Agency HR Representatives learn of SECU resources and provide information to Regional HR Offices
Regional HR Offices use SECU information for individual employee referrals and/or schedule group financial education events
SECU branch representatives work with Member Education and Outreach Department to provide ongoing resources
Resources for Groups
Accounts/Services Information Packets
New Employee Orientations
Benefits/Wellness Fairs
Lunch and Learns
Volunteer Opportunities
Webinars
Financial Education Presentations
Financial Education Topics
Planning for the future
“Retraining” money behaviors
Debt Management
Homeownership
Saving for college
Financially protecting loved ones
Keeping assets safe
Retirement planning
Wealth building
HOW TO CONTACT US
Visit www.ncsecu.org for a complete list of SECU
locations or call 24/7 Member Services at 1-888-
732-8562 for more information.
Member Education and Outreach Department
Phone: 888-478-4648
Email: [email protected]