State Employees Credit Union

14 years of loyalty mean nothing if you are laid off.

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 The bank itself bothers me because it’s so outdated and frankly, that gets annoying since their policies are outdated as well.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!

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.

I don’t bank here. I just use their ATMs because my main credit union (I belong to 2) doesn’t have any in Charlotte anymore and I can use the SECU’s ATM’s without being charged a fee. So I come here often just for that.
Rating the ATM’s they are average. They need to be updated to be colorized and they could be a little faster in processing. When you cancel at transaction it takes forever to reset the screen so you can put your card back in.
But I’ll live with it since it’s free access to my money.

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.