North Carolina State Employees Credit Union

Membership Eligibility

The ability to open an account with North Carolina State Employees Credit Union is only open to people eligible to join. Credit unions serve certain segments of the population, and cannot offer membership to people who do not meet eligibility requirements. Credit cards issued through NCSECU are only issued to members.

In order to be eligible for membership with NCSECU, applicants must meet one of the following criteria:

• North Carolina state employees
• Federal employees directly involved with state projects
• Members of partnering organizations
• Immediate family members of current NCSECU members
• Current members of the North Carolina National Guard
• Other organization as dictated by the NCSECU membership charter

If you would like to apply for a credit card through North Carolina State Employees Credit Union you must first find out if you are eligible to join the credit union and open a share account. This grants you membership into the credit union and allows you to apply for all loan products including credit cards.

North Carolina State Employees Credit Union Credit Cards

This credit union offers a wide variety of debit and credit card options.

Prepaid Visa Gift Card

NCSECU sells prepaid Visa gift cards for $1, which is a competitive price for prepaid gift cards sold at financial institutions. The gift cards are available for any amount starting at $20 to as much as $500, and work similarly to a credit card. Once the gift balance is depleted, the card is no longer valid.

Debit Cards

Two different debit cards are offered through NCSECU to members:

• CashPoints Debit Card
• Visa Check Card

While the CashPoints Debit Card can only be used with merchants participating in the Interlink point of sale and ATM system, the NCSECU Visa Check Card can be used with any merchant accepting Visa cards. Funds are debited from the checking account.

Visa Credit Cards

The NCSECU Visa credit card features an interest rate that is dependent on the credit score and credit history of the applicant. The lowest interest rates are quite competitive, while the higher interest rates for members with blemishes on their credit reports can be quite high.

The Visa does not have an annual fee. Cardholders can request to have their photos placed on the NCSECU Visa as an added layer of protection against credit card fraud. The grace period for payments on this card allows for cardholders to avoid paying any interest fees as long as the balance is paid in full each month.

Fees associated with this card include:

• Late payment fee of $5
• Exceeding credit limit fee of $10
• ATM transaction fee of seventy-five cents per transaction
• Foreign currency fees based on a percentage of the transaction amount

There are also additional fees for cash advances, and interest is charged on balances that are not paid in full within the grace period.

Apply for a Card

NCSECU members can apply for any of the cards listed above in a few different ways:

• Visit a local branch and fill out an application on site
• Call the service center for NCSECU and apply for a card over the phone: (888) 732-8562
• Apply for a card online using the secure NCSECU website: www.ncsecu.org

Current cardholders can also use the same methods in order to request a credit line increase or to inquire about questions regarding their NCSECU cards.

Current NCSECU Cardholders

NCSECU offers a comprehensive list of identity theft prevention tools to members. Any member who has a card stolen should contact NCSECU immediately, and members who would like to avoid falling victim to credit card fraud or identity theft should visit the Identity Theft/Fraud Prevention Guide offered through NCSECU.