North Carolina State Employees Credit Union (SECU) is the second largest credit union in the United States, dedicated to serving over 2.8 million members, primarily comprised of North Carolina state employees and their families. The company offers a comprehensive range of financial products and services designed to meet the needs of its members, including savings accounts, checking accounts, personal loans, auto loans, mortgages, and credit cards. SECU aims to provide accessible financial tools that promote financial well-being and community support. With competitive rates and personalized service, the credit union focuses on helping members manage their everyday expenses, achieve their financial goals, and plan for the future. Through its user-friendly online platform, members can conveniently access their accounts, pay bills, and manage their finances from anywhere.
North Carolina State Employees Credit Union receives mixed feedback from its customers, with a notable divide in experiences. While some reviewers praise the bank for its helpful staff and efficient service, particularly highlighting individuals like Mr.
Abdel at the Thomasville branch, many others express frustration with rude customer service and untrustworthy loan practices. Complaints frequently mention a lack of support when issues arise, such as difficulties with refunds or loan product changes without notice. Customers also report long wait times for fund verification, which adds to their dissatisfaction. Despite a few positive experiences, the overall sentiment leans towards disappointment, with many longtime members considering leaving due to recent service declines. Overall, the sentiment is predominantly negative.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 2.6 | 18 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Nov 24 | 5.0 | 1 |
| Dec 24 | 1.0 | 1 |
| Jan 25 | 1.0 | 2 |
| Feb 25 | — | 0 |
| Mar 25 | — | 0 |
| Apr 25 | — | 0 |
| May 25 | 1.0 | 1 |
| Jun 25 | 1.0 | 1 |
| Jul 25 | — | 0 |
| Aug 25 | — | 0 |
| Sep 25 | 1.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 18 most recent reviews.
“Abdel at the Thomasville NC location is top notch in customer service and needs a raise”
“This bank was rude to me as a customer this one lady was a nasty person to me and was not helping me she was dragging...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
 | 2.6 out of 5 (poor) | 100 out of 100 | 2.5 out of 5 (poor) | — | 18 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: North Carolina State Employees Credit Union is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 2.5).
18 reviews of North Carolina State Employees Credit Union. Filter by what matters to you.
I don’t know about Williamston but Mr. Abdel at the Thomasville NC location is top notch in customer service and needs a raise! He’s very knowledgeable and very helpful whenever I see him, thank you brother and I hope you get that raise God willing!
I've used 4 different branches as my "primary" base. Virtually every experience I've ever had has been fantastic. And their loan rates are better than most.
In all my years, I have been with many different banks, as I have moved and such, and I will say that SECU, is by far my most favorite. I will never leave, I do not ever plan on leaving this bank and I have gotten my daughter on and she is now living her life and loving her bank. I now have also started my son savings account with this bank, and I hope they keep it forever as well. I honestly have no idea how long I have been a member, but it’s been at least 10 years. Absolute wonderful customer service every time I go. Representatives and cashiers are always pleasant and very nice. The wait time is never outrageous. I always feel very welcomed and it’s nice. I will always suggest this bank to people and if they cannot get in for one reason or another, I will not do it for them unless it’s immediate family but I like not just everybody can join because it would be extremely busy.
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Polarized pattern: few middle ratings. 39% of recent reviews are 4–5★ and 61% are 1–2★.
I have been banking with NCSECU since 2000, and I don't ever plan to leave the credit union even though I have left the state. Customer service has always been fast, efficient, and courteous. Their interest rates remain lower than most other banking institutions, and if a customer has an issue with identity theft or credit card disputes, they are always on top of it right away and typically resolve the issue in favor of the customer. I give them my highest recommendation!
Full service banking. Staff are always very helpful and service is better than most normal banks. Also much faster to get hold of someone on the phone compared to normal banks where you can be stuck on hold for ages. Also i did not have any fees except for $1 annual membership fee.
Freaking awesome bank. ( credit union). Nice. And just plain good !
North Carolina State Employees Credit Union (SECU) is the second largest credit union in the United States, dedicated to serving over 2.8 million members, primarily comprised of North Carolina state employees and their families. The company offers a comprehensive range of financial products and services designed to meet the needs of its members, including savings accounts, checking accounts, personal loans, auto loans, mortgages, and credit cards. SECU aims to provide accessible financial tools that promote financial well-being and community support. With competitive rates and personalized service, the credit union focuses on helping members manage their everyday expenses, achieve their financial goals, and plan for the future. Through its user-friendly online platform, members can conveniently access their accounts, pay bills, and manage their finances from anywhere.
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