North Carolina State Employee's Credit Union

★★☆☆☆
35.7971 -78.6561
Map and Directions to North Carolina State Employee's Credit Union

919-839-5472

1000 Wade Ave.

Raleigh, NC

27605

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About North Carolina State Employee's Credit Union

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Reviews 1 - 14 of 14.
.

Never waste your time with the Concord, NC - Lake Concord, Unfortunately I'm a retired state employee banked who has always used NCSECU until I moved to Concord from Raleigh. As of just 2010, the management at this location is very uneducated, rude and doesn't have a clue on rates, loans, retirements accounts, etc. With all of the talent available in the Charlotte area, I would expect my credit union to utilize these valuable resources.

1
★☆☆☆☆

Never waste your time with the Concord, NC - Lake Concord, Unfortunately I'm a retired state employee banked who has always used NCSECU until I moved to Concord from Raleigh. As of just 2010, the management at this location is very uneducated, rude and doesn't have a clue on rates, loans, retirements accounts, etc. With all of the talent available in the Charlotte area, I would expect my credit union to utilize these valuable resources.

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Jerry review is most accurate, but in the past year they have lowered interest rates on their Money market, saving, and checking accounts to what other banks give, I do did an international wire (before reading the reviews) and it took two weeks and the Credit Union couldn't even tell me anything about it, they said it would be a charge to find information out, but still provided no information. I found Wachovia to be better and switched

1
★☆☆☆☆

Jerry review is most accurate, but in the past year they have lowered interest rates on their Money market, saving, and checking accounts to what other banks give, I do did an international wire (before reading the reviews) and it took two weeks and the Credit Union couldn't even tell me anything about it, they said it would be a charge to find information out, but still provided no information. I found Wachovia to be better and switched

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Once I spoke to the President of the company, he called me a thief, laughed at my problems, and told me it meant nothing to him. I was not expecting a handout, or a free gift, or anything, all I wanted was for them to show me a little more respect. My grandfather has been banking with thins company for over thirty years, my dad has been banking with them for over fifteen. Mr. Jim Blane told my father he hopes they continue to discriminate against him. The great Jim Blane who sits high and mighty in his office, disrespects people because he feels like he can. Well Mr. Blane I will not let this stand, I will let the world know just how much you really care.

1
★☆☆☆☆

Once I spoke to the President of the company, he called me a thief, laughed at my problems, and told me it meant nothing to him. I was not expecting a handout, or a free gift, or anything, all I wanted was for them to show me a little more respect. My grandfather has been banking with thins company for over thirty years, my dad has been banking with them for over fifteen. Mr. Jim Blane told my father he hopes they continue to discriminate against him. The great Jim Blane who sits high and mighty in his office, disrespects people because he feels like he can. Well Mr. Blane I will not let this stand, I will let the world know just how much you really care.

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The regulators of banks and credit unions will NOT provide information on institutions that are on the verge of collapse. By protecting the banks from the public knowing that they are about to fail, the depositors will be less likely to withdraw their money. So, banks fail without notice even though the bank and the regulators knew all along. The game is rigged against the everyday guy who deposits at the credit union. So one must look for very subtle signs of impending failure. On sign that should raise your index of suspicion is when a bank has a short period of insufficient reserves to cover demands of its depositors. Quite simply, any depositor should be able to walk to the window and ask for his or her money. If the bank doesn't have the money, the depositor will tell everyone and the bank will shut their doors. Hence, the bank must seem to have money but prevent depositors from accessing their funds. This is what happened to me two weeks ago. Most likely, North Carolina State Employees Credit Union was has a reserve shock, an inability to find reserves when stressed to cover depositor demands. I was in another state and needed a cashier's check mailed to an apartment where I was staying. Six months ago, I had effected the exact same transaction without any problem. However, two weeks ago, the credit union took every possible action to delay and impede my access to funds for a period of one week. tactics included claims of "lost faxes" on two occasions, manager on vacation for three days, mailing fed ex to the WRONG ADDRESS intentionally, lying about where the checks were actually mailed and refusing to provide access to supervisor's to resolve problems. Eventually, i was able to get access to my funds. What may seem like an innocuous mistake is very likely the first sign of North Carolina State Employee Credit Union impending failure. When it fails and it will fail soon, please remember that you read about it here first.

1
★☆☆☆☆

The regulators of banks and credit unions will NOT provide information on institutions that are on the verge of collapse. By protecting the banks from the public knowing that they are about to fail, the depositors will be less likely to withdraw their money. So, banks fail without notice even though the bank and the regulators knew all along. The game is rigged against the everyday guy who deposits at the credit union. So one must look for very subtle signs of impending failure. On sign that should raise your index of suspicion is when a bank has a short period of insufficient reserves to cover demands of its depositors. Quite simply, any depositor should be able to walk to the window and ask for his or her money. If the bank doesn't have the money, the depositor will tell everyone and the bank will shut their doors. Hence, the bank must seem to have money but prevent depositors from accessing their funds. This is what happened to me two weeks ago. Most likely, North Carolina State Employees Credit Union was has a reserve shock, an inability to find reserves when stressed to cover depositor demands. I was in another state and needed a cashier's check mailed to an apartment where I was staying. Six months ago, I had effected the exact same transaction without any problem. However, two weeks ago, the credit union took every possible action to delay and impede my access to funds for a period of one week. tactics included claims of "lost faxes" on two occasions, manager on vacation for three days, mailing fed ex to the WRONG ADDRESS intentionally, lying about where the checks were actually mailed and refusing to provide access to supervisor's to resolve problems. Eventually, i was able to get access to my funds. What may seem like an innocuous mistake is very likely the first sign of North Carolina State Employee Credit Union impending failure. When it fails and it will fail soon, please remember that you read about it here first.

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.

Terrible, DO not bank here! The quality of the employees is abysmal! Interest rates on loans are the highest in the community.

1
★☆☆☆☆

Terrible, DO not bank here! The quality of the employees is abysmal! Interest rates on loans are the highest in the community.

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.

been a member for 8 years.
This is what I have experienced.
There are some positives and Negatives:
Positives first:
1-Typically have about .5-.75 higher interest rates on savings, checking and money market accounts compared to other banks.
2-Your money tends to be more secure here as they don't do business loans or investment loans and their loans are mostly adjustable (limiting their downside)
Negatives:
1-don't do investment loans
2-extremely limited morg. programs, which in all products that I have looked into have higher interest rates then other banks, I don't even think they will do a 30 fixed. They do 20 fixed loans with an interest rate that is higher then most other banks 30 year fixed rates.
3-Green Morg. is a marketing ploy. Nope they wont give you a morg. for a green house like Log, Timber frame and SIP house because they won't give any money up front, they only pay after the work is complete. Most Green houses require the purchase of building materials up front. They do have a so called green Morg. what is this product? You can qualify for a slightly higher morg. They figure your utility bills will be lower, thus slight qualifying you for a higher amount.
4- Don't ever do an international wire with them. Here is my experience: wired a large sum of money to Costa Rica, it took two weeks to get there. During week one of this, I asked for a confirmation of it, I was told it would cost more for such a confirmation. I agreed to the extra cost, several emails later and three weeks still no confirmation (they use American Express as there intermediary as they can't to international wires directly). In the mean time, I send another wire to Costa Rica, this time through my other account with Wachovia, They got the money the next day and I also got a confirmation the next day.

Overall, I would say the only benefit is slightly higher interest rates on checking, saving and Money markets but I wouldn't get any type of loan through them (you will pay more for it) and If you need any other services other then savings accounts, I wouldn't bank with them. I gave them 2 stars but could have given them 1 star but they do have a nice Money Market rate.

2
★★☆☆☆

been a member for 8 years.
This is what I have experienced.
There are some positives and Negatives:
Positives first:
1-Typically have about .5-.75 higher interest rates on savings, checking and money market accounts compared to other banks.
2-Your money tends to be more secure here as they don't do business loans or investment loans and their loans are mostly adjustable (limiting their downside)
Negatives:
1-don't do investment loans
2-extremely limited morg. programs, which in all products that I have looked into have higher interest rates then other banks, I don't even think they will do a 30 fixed. They do 20 fixed loans with an interest rate that is higher then most other banks 30 year fixed rates.
3-Green Morg. is a marketing ploy. Nope they wont give you a morg. for a green house like Log, Timber frame and SIP house because they won't give any money up front, they only pay after the work is complete. Most Green houses require the purchase of building materials up front. They do have a so called green Morg. what is this product? You can qualify for a slightly higher morg. They figure your utility bills will be lower, thus slight qualifying you for a higher amount.
4- Don't ever do an international wire with them. Here is my experience: wired a large sum of money to Costa Rica, it took two weeks to get there. During week one of this, I asked for a confirmation of it, I was told it would cost more for such a confirmation. I agreed to the extra cost, several emails later and three weeks still no confirmation (they use American Express as there intermediary as they can't to international wires directly). In the mean time, I send another wire to Costa Rica, this time through my other account with Wachovia, They got the money the next day and I also got a confirmation the next day.

Overall, I would say the only benefit is slightly higher interest rates on checking, saving and Money markets but I wouldn't get any type of loan through them (you will pay more for it) and If you need any other services other then savings accounts, I wouldn't bank with them. I gave them 2 stars but could have given them 1 star but they do have a nice Money Market rate.

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2 out of 2 people found this review helpful.

.

I recently had an experience where several hundred dollars were taken out of my account. My debit card number was compromised last spring and then the new one stolen in early summer. During that time charges appeared on my card that were not mine. When I notified the bank, the officers of the bank were not helpful, did nothing to help and basically did everything they could to wiggle out of taking responsibility. My suggestion is to go elsewhere because I don't think this bank is secure or that they protect deposits. Very rude employees.

1
★☆☆☆☆

I recently had an experience where several hundred dollars were taken out of my account. My debit card number was compromised last spring and then the new one stolen in early summer. During that time charges appeared on my card that were not mine. When I notified the bank, the officers of the bank were not helpful, did nothing to help and basically did everything they could to wiggle out of taking responsibility. My suggestion is to go elsewhere because I don't think this bank is secure or that they protect deposits. Very rude employees.

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1 out of 1 people found this review helpful.

.

I opened an account with North Carolina State Employees Credit Union upon relocating to North Carolina.I had been a credit union member in another state and enjoyed the personal service I received. Last summer, some suspicious transactions occurred on my debit card and we asked the credit union for help. We were keen to learn who may have obtained my debit card, and more importantly, how they obtained my security code.The bank representative insisted that we needed a police report in order to view the microfilm. We later learned this, in fact, was not a requirement and bank staff could have pulled up the film with a few keystrokes.From the outset, we had great difficulty with the bank's staff. A few months earlier, I became quite ill. At the time, I was handicapped. NCSECU staff were indifferent and made no accommodation for my disability. We were advised by bank officials to file a police report with the Clayton police. We went to Clayton police and were referred to Garner police. In Garner, we were referred to the Wake County Sheriff's Department. WCSO referred us to the Raleigh police and the RPD referred us back to WCSO. All the time, the bank offered no assistance.Ultimately, we filed a report with Wake County Sheriff's Department. We collated all suspicious charges and even included ones I was fairly certain I had made but had a minor degree of uncertainty. The medication I was taking at the time adversely affected my short term memory. All of this was fully explained to the bank and Sheriff's department.My father, an 84 year-old retired orthodontist went with me to the bank and police departments.Several weeks later we were contacted by a WCSO investigator.He invited me down to view the microfilm. Unbeknown to me, I was there for interrogation. I was never advised I was being interrogated, nor was I offered an attorney. In reviewing the microfilm, there were a total of 12 transactions. All of the photos were very dark. It appeared I was in the first two photos (even though it was difficult to say for certain), however, the remaining 10 transactions were several people whom I did not recognize.After 2.5 hours of interrogation, I was arrested for filing a false police report. I was handcuffed and taken to jail. I've never been arrested in my life. A week later, a colour photo, along with the charge, appeared in a community newspaper. Several people from our church saw the photo and it became quite an "item." We only filed the charges because Bank officials insisted we have a police report in order to view the microfilm.Ultimately, the charges were dismissed but do you think we received an apology from the bank? During the near six months before the charges were dismissed, I waited and worried. My mental health condition exacerbated to the point I could barely function. I became increasingly afraid to leave the house. I experienced daily anxiety attacks and went to the hospital several times. I lived (and still live) in constant fear that I'll again be arrested for without cause. Even though the charges were dismissed, we never received so much as an apology from the North Carolina State Employees Credit Union. They never offered to refund the monies withdrawn by the people in the remaining 10 transactions.

1
★☆☆☆☆

I opened an account with North Carolina State Employees Credit Union upon relocating to North Carolina.I had been a credit union member in another state and enjoyed the personal service I received. Last summer, some suspicious transactions occurred on my debit card and we asked the credit union for help. We were keen to learn who may have obtained my debit card, and more importantly, how they obtained my security code.The bank representative insisted that we needed a police report in order to view the microfilm. We later learned this, in fact, was not a requirement and bank staff could have pulled up the film with a few keystrokes.From the outset, we had great difficulty with the bank's staff. A few months earlier, I became quite ill. At the time, I was handicapped. NCSECU staff were indifferent and made no accommodation for my disability. We were advised by bank officials to file a police report with the Clayton police. We went to Clayton police and were referred to Garner police. In Garner, we were referred to the Wake County Sheriff's Department. WCSO referred us to the Raleigh police and the RPD referred us back to WCSO. All the time, the bank offered no assistance.Ultimately, we filed a report with Wake County Sheriff's Department. We collated all suspicious charges and even included ones I was fairly certain I had made but had a minor degree of uncertainty. The medication I was taking at the time adversely affected my short term memory. All of this was fully explained to the bank and Sheriff's department.My father, an 84 year-old retired orthodontist went with me to the bank and police departments.Several weeks later we were contacted by a WCSO investigator.He invited me down to view the microfilm. Unbeknown to me, I was there for interrogation. I was never advised I was being interrogated, nor was I offered an attorney. In reviewing the microfilm, there were a total of 12 transactions. All of the photos were very dark. It appeared I was in the first two photos (even though it was difficult to say for certain), however, the remaining 10 transactions were several people whom I did not recognize.After 2.5 hours of interrogation, I was arrested for filing a false police report. I was handcuffed and taken to jail. I've never been arrested in my life. A week later, a colour photo, along with the charge, appeared in a community newspaper. Several people from our church saw the photo and it became quite an "item." We only filed the charges because Bank officials insisted we have a police report in order to view the microfilm.Ultimately, the charges were dismissed but do you think we received an apology from the bank? During the near six months before the charges were dismissed, I waited and worried. My mental health condition exacerbated to the point I could barely function. I became increasingly afraid to leave the house. I experienced daily anxiety attacks and went to the hospital several times. I lived (and still live) in constant fear that I'll again be arrested for without cause. Even though the charges were dismissed, we never received so much as an apology from the North Carolina State Employees Credit Union. They never offered to refund the monies withdrawn by the people in the remaining 10 transactions.

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1 out of 1 people found this review helpful.

.

WARNING - DO NOT bank with this bank! Their customer service is awful; Jim Blaine, president is rude and obnoxious. I would rather put my money under a rock in the back yard than bank with this credit union. Thank heavens there are other banks.

1
★☆☆☆☆

WARNING - DO NOT bank with this bank! Their customer service is awful; Jim Blaine, president is rude and obnoxious. I would rather put my money under a rock in the back yard than bank with this credit union. Thank heavens there are other banks.

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I've been a member for several years now and as interest rate market has fluctuated, the rates at SECU have stayed excellent. I recently pulled a significant portion of my funds from an internet bank and placed them back at SECU due to the rate stability.

Also, note that I now live in NJ and continue to bank electronically through NC SECU with no problem. The website is simple enough to navigate and the customer service passes muster.

If you can get an account, you should. It's as simple as that.

5
★★★★★

I've been a member for several years now and as interest rate market has fluctuated, the rates at SECU have stayed excellent. I recently pulled a significant portion of my funds from an internet bank and placed them back at SECU due to the rate stability.

Also, note that I now live in NJ and continue to bank electronically through NC SECU with no problem. The website is simple enough to navigate and the customer service passes muster.

If you can get an account, you should. It's as simple as that.

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.

I have been with the NC State Employees Credit Union since I was a child. My mother and father started an account for me. No way would I bank with anyone else. The NC State Employees Credit Union exceeds them all. Sometimes things go wrong in my life. I have to move money or send an e-mail to the service office. The people are so helpful and efficient. They respond promptly and let me know every things has been take care of. Thank you, Credit Union employees. I am thankful there is a bank that maintains low fees but excellent quality and service. Truly you are a blessing to people trying to save or who are either married or getting starting with a new job.

5
★★★★★

I have been with the NC State Employees Credit Union since I was a child. My mother and father started an account for me. No way would I bank with anyone else. The NC State Employees Credit Union exceeds them all. Sometimes things go wrong in my life. I have to move money or send an e-mail to the service office. The people are so helpful and efficient. They respond promptly and let me know every things has been take care of. Thank you, Credit Union employees. I am thankful there is a bank that maintains low fees but excellent quality and service. Truly you are a blessing to people trying to save or who are either married or getting starting with a new job.

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.

We have been with NCSECU for many years. Some of the wonderful things we like are the very low fees, low lending rates, many locations and helpful employees. Because you are a member, you are treated with more dignity and respect than when dealing with a bank. If you qulify, join this credit union. (If you are in the National Guard you qualify! You are a state employee too.)

5
★★★★★

We have been with NCSECU for many years. Some of the wonderful things we like are the very low fees, low lending rates, many locations and helpful employees. Because you are a member, you are treated with more dignity and respect than when dealing with a bank. If you qulify, join this credit union. (If you are in the National Guard you qualify! You are a state employee too.)

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.

We love credit unions in general but this one is really geat! They always have plenty of tellers available so your wait is not long. The rates are the best around and they offer special incentives (accounts for kids, vacation, etc). We love banking here. Bonus--lots of ATM locations around town!

5
★★★★★

We love credit unions in general but this one is really geat! They always have plenty of tellers available so your wait is not long. The rates are the best around and they offer special incentives (accounts for kids, vacation, etc). We love banking here. Bonus--lots of ATM locations around town!

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.

NCSECU is for NC state employee's and their families. Their interest rates are some of the best ones I have seen and their ATMs (Cashpoint) are fee free for anyone who uses them. If you can qualify for an account with NCSECU, I would highly recommend them. The locations are fairly convenient and they have lots of ATMs throughout the state.

5
★★★★★

NCSECU is for NC state employee's and their families. Their interest rates are some of the best ones I have seen and their ATMs (Cashpoint) are fee free for anyone who uses them. If you can qualify for an account with NCSECU, I would highly recommend them. The locations are fairly convenient and they have lots of ATMs throughout the state.

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