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Deposit Rates
Money Market
Quoted Rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.


Isn't it time you had your own accounts? Zard members have a variety of special products and services available to them through the Credit Union.

CashPoints® Global

CashPoints Global (CPG) is a non-interest bearing controlled spending account with electronic only access through your CPG card. There are no checks and no paper statements, and since all transactions are limited to the available funds in the account, no overdraft or NSF fees are incurred.


Are you ready to have more control over your money? A checking account has no minimum balance and a monthly fee of only $1.00. This account is interest bearing and overdraft transfer service is available. Financial responsibility begins with your checking account.

* Must have parent or legal guardian as co-owner if Zard member is under 18.

Coverdell Education Savings Account (CESA)

State Employees' Credit Union offers the Coverdell Education Savings Account (CESA) as a method of saving for elementary, secondary and higher education expenses.

Money Market

Saving for something special? With a competitive interest rate and easy accessibility, the money market account is great for short or long-term saving. $250 minimum opening deposit and balance required.

North Carolina 529 Plan

The North Carolina 529 Plan is offering an SECU deposit account as one of its 14 investment options. The option is called the Federally-Insured Deposit Account and it is available to members and non-members. Investments in the Federally-Insured Deposit Account are fully insured by NCUA as deposits of a public unit, the North Carolina State Education Assistance Authority.

Regulation D

The Credit Union is required to follow regulations set forth by the Federal Reserve Bank. Regulation D governs the amount of reserves that a financial institution must set aside based on deposit accounts.

Share Term Certificate (STC)

A share term certificate is a high-yield, fixed term investment account. The minimum deposit is $250 and there is no service charge. Make your money work hard for you by taking advantage of these 6-60 month certificate options - an excellent way to save for long-term goals!


Become an SECU member by opening a Z-Share account. Start saving now with a special Z-Share rate and you will earn more on your money! $25 minimum opening deposit and balance required. Zard members are eligible to receive group term life insurance coverage in the amount of $1,000 at no cost.

Rates & Fees

Our products and services have competitive rates and minimal fees.