Dear whom it may concern, Re: Loan Applicant Discrimination Incident I hope this message finds you well. My name is Elsie Mufuka and I am a member of SECU. On January 3, 2025, I encountered discrimination from loan officer, Tia at SECU (State Employer Credit Union). This is not the first time I have faced such treatment from this credit union regarding my loan application. According to North Carolina State law, Chapter 53 - Article 15, no licensed lender should deny credit or discriminate in the loan process. When I expressed my interest in applying for a loan, Tia told me there was no point because my application would be denied. I asked if she was refusing to let me apply. In a curt manner, she responded that she could check my credit but I would still be denied. Despite this, I insisted she proceed with my application, and she placed me on hold for 24 minutes. Upon returning, she confirmed my denial still in her curt manner. If it weren't for my determination and knowledge of the law, she would have refused to process my application, which violates state regulations. I plan to report this incident, as this is the second time I have faced discrimination at this credit union and put reviews on all platforms for other consumers not to experience such discrimination. read more

I consider this the downtown location being closest to the city. I feel like entering this location is kind of hard from both of the entrances. There seems to always be incoming traffic. The branch and the drive thru are separate. I don't really like the parking lot or the inside lobby so I do most of my bank business thru the drive thru. They have done some construction/remodeling in the past months but I haven't been inside to see the new look. If you can get an account with this bank. They have minimal fees, great customer service and locations throughout the city. State Employees Credit Union 1130 E 3rd St Charlotte, NC 28204 (Review 661 overall, 6 in 2022) read more

Adequate but state employees deserve better. Loan rates are fairly high, they take $1 from your account each month to fund their scholarship fund, and no tiered savings accounts are offered for children. I am also a member of Bayport in Newport News Va and they blow this place away. read more

they suck ! transactions do not clear in a timely matter and they want to blame the merchant ...NO! 4days and longer for a charge to clear , only at this bank. this bank has a double charge on my account and can not fix it, I'm told I just have to wait it out read more

This bank is the worst! It's 2:30am and I'm stuck at work because they have system maintenance between 2am and 3am. I depend on ride shares to get home. I requested my ride at 1:30am and it kept declining my payment method. This really caused me a major inconvenience. I'm extremely disappointe! read more

My mother has been a member of SECU for 30+ years. When she moved into Assisted Living and I became POA, I was sort of lost as to how to handle her accounts. Latesha at the Park Road location in CLT was SO VERY HELPFUL!!! Seriously, I would have been so over-whelmed if it were not for her kind smiles and knowledgable guidance. She helped me navigate all the loans, documents and all with a huge smile and encouraging attitude. Sometimes I will just go inside to make deposits instead of the drive thru, so I can get a dose of Latesha smiles. She is a treasure and hopefully will never think of leaving. read more

They are not as people subscribe they are just like regular banks out here. They don't help no one build or do anything Take money off people card. I'm not recommending no one. dispute is terrible. read more

Got loan from a finance company to purchase a personal sell of a car. Called the bank to see if I do a mobile deposit will the 2545 be available asap. They said it would be available the next business day which was Tuesday. Well it wasn't and they put a hold on it for 4 days. Of course the seller sold to someone else. I've been with this bank way over 15yrs. They are just terrible. I went threw the drive-thru once and had a check that I received from my apartment complex (deposit) refund and they would not even deposit the check in my account saying that they didn't know the bank. Just awful bank. read more

Excellent credit union and always excellent service. Every employee that works here is wonderful. If there have been any issues they were quickly resolved. I have been with them for over 10 years and I really cannot say more good things. read more

SECU as a whole needs an image upgrade - from their buildings to the fact that they still don't have an app and you can't deposit without going to their stores. BUT. This particular location is the biggest and easiest to get to even though it's in a congested area. As others have said, there are always multiple people manning stations and I've never had to wait more than 2 minutes to be helped. I also (and this is silly) like the way that their deposit slips are laid out. After trying out using a deposit slip at Bank of America, I much prefer these. It's just easy. I'll continue to use SECU because of their awesome interest rates and great customer service, but I'll also continue to wish them into the 21st century haha. read more

I called customer service because I was locked out of mobile account for security question. Customer service is awful. She sounded uninterested and not engaged. Employees working on the phones really need customer service training. This is not the 1st encounter that I have experienced this. read more

So as I continue to manage my money...cash and credit, I still find this place is where I "want to go" vs. other larger banks I have relationships currently with in this town.............but not for the one I work for mind you............ FYI........loan rates for both small short term (cars, personal loans) continue to be much lower than many competitor. read more

I don't normally post reviews, but if this can help someone, it's worth the time. I recently sent money from our SECU checking account through Venmo to make a deposit for a vehicle. We are not on Facebook, but my supervisor told me that a friend of hers was selling a car and--long story short--I sent the deposit. I found out the next day that the person's Facebook account had been hacked and the hacker was also using her cell number. I have known my supervisor for years, and she felt terrible about falling for this as well and telling me about the vehicle. I'm sure other people were also scammed. I immediately called NCSECU, and they told me I could not dispute the charge until the transaction posted. I'm not sure why it couldn't be stopped while pending, similar to the way we stopped checks back in the day, particularly if you know it's a scam. Once the charge posted, I called to dispute it since it was fraud. I also filed a police report and provided that information as well. I was told I would hear something within 10 days. Ten days later, I received a letter stating the dispute was declined and that I could request the notes from the decision if I wanted. I called today to request the documentation from the investigation (I'm not sure what type of investigation actually occurred), and the guy acted like he had no idea what I was talking about. What bothers me most is that my wife and I have been with NCSECU for 30 years and this is the customer service we receive. No phone call, no follow-up questions, nothing. Just a letter saying you're out of luck, and that's it. It was my fault for initially 'authorizing' the transaction, of course. But even if I will never see a penny of the $2,000, you just expect more from a bank you have been loyal to for so many years. We will be moving our money to a different bank. Not that we will be missed, obviously, but we just don't want to stay with a bank that can't at least provide some level of support in a situation where you already feel helpless. Again, I hope this will help someone out there. read more

It's taken me OVER 3 months to process a claim. From them stating that my husband should have submitted the claim (his debit card versus mine for our JOUNT checking), to them not "receiving my requested response" (went to their "junk e-mail" after having to send 3 times. Have asked to speak to supervisor for claims as it's been almost 3 months and they say it will take another 30 days because the other party is disputing, the representative hung up on me! I have NEVER dealt with such unprofessionalism, lack of handling business ethically/promptly/correctly. 15 years as a State employees credit Union customer, I am taking my 6 accounts elsewhere. Very disappointing and would NOT recommend. read more

I had been with this bank for over 15 years I guess I'm a glutton for punishment because the best word to use for them is incompetent! Every aspect of the Boone banks is lacking. Mortgage broker was so bad I almost lost the deal and had to go else where. I tried to set up an account for one of my kids signed for a small transfer of money to open and the person never did it. I also asked that a small weekly transfer happen and signed that also never happened. I couldn't even get them to wire transfer money to my sister who needed help in closing a house in NY. It took these idiots 5 days to do what should have been at max one day task on a Monday. I was out of town and need cash and even though I had their top account ever bank in VA I went to couldn't help me get cash out of an account with over 50k in it. I had to borrow from a family member. Seriously I tried to bring these problems to the attention of the manager but never heard back twice. On the third time when I went to remove all my money out of the account and ask for them then I still heard nothing! Worst customer service ever, worst bank ever, seriously I recommend going elsewhere for your banking needs in Boone! Even interest rates are 2 points higher here so much for your local bank looking out for you! read more

This SECU has no drive-through banking!!! While I have been pleased with my experiences banking with SECU, I am pretty shocked that a branch of this size has two drive up ATMs but no tellers. Once you go inside there are several tellers...usually at least three and room for up to eight. The building looks like your typical eighties era bank with a ugly, blocky exterior. All the basic banking is done downstairs, and any special banking needs have to be taken care of upstairs. There is elevator and stair access. This bank is conveniently located near Uptown Charlotte, Dilworth, Midtown, and Elizabeth. As a result, it can get rather busy on Friday afternoons. Because of the capacity, however, I have never waited more than three minutes for a teller. And with banks, convenience, not aesthetics, is what matters. read more

Had a great experience with Adam here. He helped me understand my tax situation better!

CAUTION: I had an emergency occur in another state and had to temporarily relocate. I made a mobile deposit as I have many times, except I forgot to check the box on back of check for mobile deposit. They rejected it and locked my account from any mobile deposits for 30 days. Told me I could mail the check or come to a branch. Well im 1200 miles away and takes 4 days for snailmail to deliver. Refused to reinstate my account. Closing account ! read more

They do not care if you are going through a rough time they just demand all their money back right then when you get behind even if you have a understandable reason. Wish we would have NEVER got a loan through them 1/5 stars do not reccomend read more

Love this place. At times it can be slow and the workers unenthusiastic, but Aubrey is a rockstar teller and Andy is also in the loan department! Also can't beat their interest rates for loans. read more

The only reason I'll even give SECU two stars is that I did end up with a pretty decent mortgage for my house here, and I also bought a nice birdhouse from them (inexplicably sold in the front lobby). But my praise begins and ends there. The biggest problem with the SECU is their terrible hours. Why, oh why, is the bank only open when we are at work??? Closing at 5:30? Not even open on Saturday mornings???!!! It's just crazy. I've also found their customer service to be lacking (at least, on the phone), and they have NO ATMs uptown. While I wanted to get away from Wachovia/Wells and BorA, I'm starting to realize that all these banks are the same (i.e. terrible). Unfortunately, no bank I've found down here matches up with the service and convenience of my former bank, Citibank. read more

Worst credit union ever. Don't get a refinance through them unless you are willing to wait months! A total lack of professionalism.

DONT EVER USE THEIR ATM FOR DEPOSTS! Their ATM jammed mid-deposit. I called. THey said someone was on their was to clear the jam, they'd balance the machine and I would have my funds available in a few HOURS. (I was on my way shopping and now couldnt go). They never made the funds available. I called and talked to 4 people who gave me the runaround-should have been deposited when machine was balanced. Money will be held until NEXT WEEK. I have NO money, and no one cares. It is on "hold" until next week. I can'g grocery shop to feed my family. It was all the money I had. No one I spoke to on the phone cared at all that the only money I have is tied up due to their mistake. One rep said it happens regularly-WHAT? How can they hold MY money so my kids have to starve until next week? I'll be leaving this institution. Prior to this we were going to buy a home-called THREE times to get the ball rolling. Each time we were told they'd get back to us. They never did. Customer service is awful. Family member did get a loan through them, loan person gave wrong information and they had to come up with thousands more at closing due to inept employee-was a manager too! This is an awful place on so many levels. Oh, and telllers have to have their last names displayed-leading to awkward questions from members. I witnessed it on many occasions-WEIRD to say the least! read more

I love the girls at this particular location, always nice and helpful. The bank itself bothers me because it's so outdated and frankly, that gets annoying since their policies are outdated as well. I do love their change machine though! read more

Bank has helped me with personal loans and my car loans with not so perfect credit. I love SECU!!!!

This is such a great financial institution. I have never had any issues with any part of this credit union. The customer service is second to none. read more

My wife received a $25.00 gift card. She went to use it and it was only worth 11.00 dollars. Apparently every month you do not use it. They take one dollar off it. How do you like that. Makes me wonder if she didnt use it for twenty nine months, would she owe them four dollars. Chris Doyle 980 253 1049 read more