Ncsecu money market rates

Ncsecu money market rates DEFAULT

Savings Rates

Calculators   Certificates of Deposit   Individual Retirement Accounts   Share Accounts

Rates as of October 20, 2020 (Contact SECU for more current rates)

Certificates of Deposits
Deposit TypeMinimum Balance*Rate*APY*
6 Month CD$1,000.000.030%0.030%
12 Month CD$1,000.000.050%0.050%
18 Month CD$1,000.000.070%0.070%
24 Month CD$1,000.000.090%0.090%
36 Month CD$1,000.000.130%0.130%
Individual Retirement Accounts
Deposit TypeMinimum Balance*Rate*APY*
IRA Savings$40.000.020%0.020%
6 Month IRA CD$500.000.030%0.030%
12 Month IRA CD$500.000.050%0.050%
18 Month IRA CD$500.000.070%0.070%
24 Month IRA CD$500.000.090%0.090%
36 Month IRA CD$500.000.130%0.130%
Share Accounts: Savings
Deposit TypeMinimum Balance*Rate*APY*
Primary Savings (Tier 1)$0.00 - $50,000.000.020%0.020%
Primary Savings (Tier 2)$50,000.01 - $100,000.000.040%0.040%
Primary Savings (Tier 3)$100,000.01 - $250,000.000.060%0.060%
Primary Savings (Tier 4)$250,000.01+0.080%0.080%
Youth SavingsNo Minimum0.020%0.020%
55Plus Savings (Tier 1)$0.00 - $50,000.000.020%0.020%
55Plus Savings (Tier 2)$50,000.01 - $100,000.000.040%0.040%
55Plus Savings (Tier 3)$100,000.01 - $250,000.000.060%0.060%
55Plus Savings (Tier 4)$250,000.01+0.080%0.080%
Share Accounts: Checking
Deposit TypeMinimum Balance*Rate*APY*
Standard Checking$500.000.002%0.002%
Budget CheckingNo Minimum0.000%0.000%
55PlusCheckingNo Minimum0.004%0.004%

*Minimum balance required to earn interest if applicable. Rates are determined at the discretion of the Board of Directors, and declared on the third Monday of the last month of the quarterly period affected. No interest is paid if an account is closed before the end of a calculation period. Fees, if applicable, could reduce earnings. See account detail for calculation method, posting schedule and fees where applicable. APY is Annual Percentage Yield.

Disclaimer: The information contained in this website is for informational purposes only. To the extent that there is any discrepancy between information, including interest rates or other financial terms, posted on this site and information available at our branches, the information available at the branches will take precedence.


State Employees Credit Union Money Market Account

State Employees Credit Union Money Market Account Review

State Employees Credit Union Money Market Account is offered by State Employees Credit Union, a credit union founded in 1937 and based in Raleigh, NC. State Employees Credit Union Money Market Account is available in 1 state across the USA.

Key Takeaways

  • Very high APY. This account offers an annual percentage yield of up to 0.15%, which is much higher than the national average for a money market account.However, you must keep a minimum balance of $250.
  • Charges a monthly fee. This account charges a monthly service fee of up to $2, but the fee is waived if you keep a minimum balance of $250.
  • $250 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit.

Pros & Cons of State Employees Credit Union Money Market Account

  • Generous dividends.
  • Does not offer mobile check deposits.
  • Insured by NCUA.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not provide a debit card.
  • Not FDIC-insured.
  • Only available in one state.
  • Monthly service charge.

State Employees Credit Union Money Market Account FAQ

Are money market accounts from State Employees Credit Union federally insured?

Yes, your State Employees Credit Union money market accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What are the dividends for State Employees Credit Union money market rates?


State Employees Credit Union money market offers an APY of up to 0.15% (APY stands for annual percentage yield, rates may change).However, to earn interest you must keep a balance of $250.

What are the fees for State Employees Credit Union Money Market Account?

This account charges a monthly maintenance fee of up to $2. You can avoid this fee by maintaining a balance of $250.
Monthly Feeup to $2
Paper Statement FeeN/A
Excess Transaction Fee$0

What is the minimum balance for State Employees Credit Union money market?

Minimum deposit of $250. You must make an initial deposit of at least $250 to open this account.

Monthly maintenance fee waiver. You can avoid the monthly fee if you keep a balance of $250.

Interest rate minimum balance of $250. You must keep the account balance above $250 to earn interest.

What features and perks does State Employees Credit Union money market offer?

This account includes the following features:

  • Fraud monitoring - State Employees Credit Union monitors transactions for potentially fraudulent activity.
  • Mobile Banking Services - State Employees Credit Union money market allows you to manage your money through online banking and a dedicated mobile app.

What is the customer service phone number?

The customer service number for this business card is (888) 732-8562.

What is the support contact email?

The support contact email for this business credit card is [email protected]

How to open an account with State Employees Credit Union

  • Visit the State Employees Credit Union website.
  • Fill in the application form. You will typically need to provide general financial information, such as your name, Social Security Number and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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State Employees Credit Union banking products: Savings and Checking

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Eligible members can enjoy a host of products offered by State Employees Credit Union (SECU) at a relatively low cost. While it provides services to members in other states, SECU only has branches in North Carolina. Membership criteria is also fairly limited, with little option to qualify if you’re not a North Carolina state worker or in the immediate family of a current SECU member.

To establish your membership, you’ll need to open a Share Savings account with a minimum $25 deposit and meet one of the following requirements:

  • You work in North Carolina
  • You work for a public board of education
  • You’re a member of the North Carolina National Guard
  • You’re a federal employee who works for a North Carolina department (i.e. US Department of Agriculture employee who works for the North Carolina Department of Agriculture)
  • You’re a county employee of Social Services, Health, Mental Health and Civil Defense
  • You’re retired from one of the businesses mentioned above
  • You’re the spouse, parent, sibling or child of a current member
  • You live with a current member

Personal banking

  • Checking. A checking account with SECU has a $1 monthly maintenance fee that goes to the SECU Foundation and an interest rate of 0.25% APY.
  • Share. Like most credit unions, you’re required to open a share account to establish a relationship with SECU. You’ll pay a $25 minimum opening deposit and keep a minimum balance of the same. The current APY is 0.75%.
  • Cash Points Global. An electronic-only deposit account that doesn’t pay dividends and doesn’t support ACH debits or checks, but can be used for loan advances, tax refunds and wire transfers.
  • Holiday Cash Club. This savings account is intended to help you save for holiday shopping, and features a 0.75% APY.
  • Money Market Share. Save more with a 1.60%–1.61% APY interest rate, but get ready to pay a $250 initial deposit and keep the same as a minimum balance.
  • Share Term Certificate. Earn more interest on your money with interest rates from 1.90%–2.40% by depositing your funds for a set time. Deposited funds can be used as collateral for SECU loans.
  • Health Savings. If you require an HSA for your high deductible health plan, you can use this account to pay for qualified medical expenses.
  • Education Savings. Choose from two different education savings accounts to help prepare for your child’s future.
  • Summer Cash. If you’re an employee at a community college or public school, this account helps you save for unpaid summer months.
  • Retirement. Open a Roth, Traditional or Simplified Employee Pension IRA and start saving for retirement with a $25 opening deposit.
  • Accounts for Kids. Set up a joint savings account for your child aged 12 and under, or help your teen sign up for savings and checking accounts.

Other products

  • Auto loans. You can be preapproved for an auto loan up to a set amount using SECU’s Auto Power Program. Terms are up to 96 months for new vehicles and 72 months for used.
  • Home loans. Refinance your existing mortgage or take one out to purchase a home or open a home equity line of credit.
  • Personal loans. Open-ended and short-term loans are available, along with various student loan options.
  • Credit card. The SECU Visa® Credit Card is available to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.
  • Insurance. Health, Medicare supplement, life, auto, homeowners and other insurance are available through SECU.
  • Investment accounts. Choose from tax-advantaged and taxable accounts with the help of an investment representative who will help you evaluate your goals and current financial health.
  • Estate planning. Establish a trust, get help with your will or use SECU’s estate planning program to meet with attorneys and prepare estate documents at a set cost.

How does SECU compare to other banks and services?

State Employee’s Credit Union (SECU) is a North Carolina-based credit union with 267 locations. Its broad selection of products are aimed for kids, teens and adults.

Checking accounts


  • Earns interest. SECU’s checking accounts earn 0.25% interest, which compounds daily and is paid out monthly.
  • Free ATM network. Use your debit card for free at any CashPoint ATM, which is North Carolina’s largest ATM network.
  • No minimum balance. You’re not required to keep a certain amount of money in this account as long as you have enough to cover the $1 monthly fee.


  • Two accounts. SECU only offers two checking options: one for you and one for your teen.
  • Monthly maintenance fee. Although you can’t avoid the $1 fee, the money goes to the SECU Foundation.

What’s the SECU Foundation?

The SECU Foundation promotes local community development in education, housing, healthcare and human services projects.

Savings accounts


  • Decent APY. SECU’s savings accounts earn anywhere from 0.75% to 2.05% APY, which is much higher than the current national average.
  • Goals-based accounts. SECU has savings accounts for holiday shopping, health savings, education savings and teachers who have unpaid summer breaks.


  • Minimum balance requirements. If you have a SECU Money Market Share account, you must maintain a $250 minimum daily balance to earn interest and avoid the $2 monthly fee.
  • Withdrawal limits. There’s typically a six transaction limit each month. At this time, it may be waived for a limited period. Check with the provider.



  • High APYs. Every SECU CD earns between 1.55% and 2.05% APY. The longer you lock your money away, the more you’ll earn.
  • Wide terms. CD terms range from six months to six years.
  • Can be used as collateral. If you have an SECU loan, you can use your CD as collateral.


  • $250 opening deposit. Although some CDs have opening deposits as high as $10,000, others let you get started with as little as $0.
  • Early withdrawal penalty. You’ll pay a fee equal to 90 days interest or all accrued interest, whichever is less.

Overall banking


  • Keep all your accounts in one place. With the extensive range of products offered by SECU, you could potentially keep all of your accounts together.
  • Low fees for a good cause. Some accounts don’t require a maintenance fee, and those that do have a low fee of $1 that goes to the SECU Foundation.
  • 24/7 member support. Call SECU’s 27/7 automated hotline to check your last 10 transactions, move money between your SECU accounts, check payment dates for your SECU loans and more.


  • Restrictive membership requirements. Eligibility is restricted to North Carolina state employees, federal employees assigned to work for North Carolina departments, direct family members and those sharing housing with a current SECU member.
  • No national network. SECU and its ATMs are primarily in North Carolina. If you travel outside this area, you can’t visit a branch or use a free ATM.
  • Must have a Share account. You establish your SECU membership by opening a Share account, so you may want to choose another institution if you don’t need a savings account.

There are several ways to contact SECU’s customer service:

  • Branch locations. Get in-person help at a North Carolina branch weekdays from 8:30 a.m. to 5:30 p.m., except on designated holidays.
  • Phone. Contact 24/7 member services at 888-732-8562, or use the Ask SECU voice response system by calling 800-275-7328.
  • Email. Contact customer service at [email protected]
  • Secure message. Send a message using your member account online.
  • Mail. Reach SECU by mail at P.O. Box 26807 Raleigh, NC 27611.
  • Lost or stolen cards and fraud reports. Call 888-732-8562 24/7, or visit your local branch.

Money Market

Save More. Do More.

With SECU’s Money Market accounts, you can grow your savings and have the flexibility to take that road trip, hike that trail, cruise that river, or go to that happy place whenever you want.

  • Deposit, transfer, and withdraw funds anytime without penalty
  • Minimum $2,000 deposit
  • Watch your savings grow faster

Open an account today and start building your savings for your next adventure.

It only takes 10 minutes.

After competing your personal information, choose Money Manager Money Market in the My Offers screen on the application and deposit a minimum of $2,000.

As Always… You Have Options!

You can enjoy competitive rates with a lower minimum deposit with our Money Manager account or opt for top rates with our Advantage account.

Money Market Advantage

$25,000 Minimum deposit.

Enjoy top rates

Open An Account


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Money Market Accounts Explained

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