1. How do I apply for a loan?
Members can apply for a loan online, over the telephone by calling (800) 659-7328 or (404) 656-3748, via fax at (404)651-8632, in person at any location, or by mailing an application to 400 Whitehall St., SW Atlanta, GA 30303, Attn: Member Services.

2. How long do I have to be a member before I can apply for a loan?
You can apply immediately. You must be a permanent, full-time, benefits receiving employee.

3. How do I add/remove a joint member to/from my account?
To add: complete a new signature card and include joint signature. To remove: the account can be closed and remaining joint members may open a new account. Or if a joint member wants to be removed, they must sign a new card allowing their name to be removed.

4. How do I change my payroll deduction?
Download a change form from the website, sign and fax/mail back to the credit union. We will forward on to your payroll department. Each time a new payroll deduction form is completed, it cancels the old. Members should make sure to indicate ALL desired deductions on new form.

5. Direct Deposit Questions

  1. Why should I use Direct Deposit?

• Safety - Your paycheck is protected against loss or theft.
  
• Worry-free - Now you can be assured that your check is deposited, even when you're away from home.
  
• Saves time - You no longer have to make special trips to the credit union or stand in long lines on payday.
  
• Convenient - No more waiting for the mail. Your deposits will be made for you automatically, allowing you to set your own timetable for getting cash.
  

• Our Member Service Representatives have all the necessary forms. If you wish, they will be happy to complete them in for you. All you have to do is tell them how you want your money distributed and sign your name. State Employees Credit Union will take care of everything else.
  

• Your check stub from your paycheck is your permanent record of payroll deductions only. It doesn't include any deposit/withdrawal activity you've performed. You can check your accurate balance and complete transaction listing any time using the audio response system or online.
  

• This service is free to all participating State Employees Credit Union members .

6. Can I still apply for a loan if I've experienced a bankruptcy?
Yes. The credit union can offer loans to members with less favorable credit history. We suggest members visit the credit union to discuss their specific situation with a loan officer.

7. What happens to the accounts of a primary member in the event of death?
If there is a joint member on the account, they will have the authority to take care of the financial affairs of the deceased. If there is no joint signer, a death certificate will have to be probated for us to release funds to a specified party.

8. If I leave my state employer, will my account close?
Once a member, always a member. We offer lifetime membership in the credit union, even if you move, retire or change jobs.

9. What are the current savings rates?
You can view all of our rates (savings, checking & loan rates) on our on our website by clicking here. Rates are updated as changed.

10. What is the low balance fee?
The credit union assesses a $5 per month fee to members with less than a $300 aggregate daily balance of all SECU accounts. The fee is waived if the member has a loan with SECU and for the first 6 months after the account is opened. This fee helps to cover the costs the credit union must pay for member accounts used solely for check-cashing purposes.

11. How do I withdraw a check from a remote location?
Members can withdraw checks remotely by calling ANJI at (800)659-ANJI and using the proper codes. The check(s) you request will be mailed to you so you'll need to allot the proper amount of time for postal delivery (usually 2-3 days). If you do not receive the check in a customary amount of time, you'll need to wait 10 business days before you can request a stop payment on the check by calling (800) 659-7328.