Membership to the State Employees’ Credit Union (SECU) is open to North Carolina state employees and their family members. Checking and savings accounts, bank cards and personal, auto and home loans are available. Conveniently located across from the School of Social Work with many branches throughout the state.

Additional credit union perks:

• Tax preparation for $95
• Estate planning essentials program
• Homeowners, auto, and life insurance
• Free notary and medallion signature guarantee services
• Free coin redemption

Discounts to theme park tickets (seasonal)

• Foreign currency exchange
• New car buying service
• 24/7 member service through ncsecu.org or 1-888-732-8562

Find a State Employees Credit Union location near you!

Citizens Bank will provide a $1,000 credit at closing for all purchase and refinance mortgage loans. In addition, if an account is opened with us and the mortgage is paid automatically through the account, we will provide a .125% discount to the interest rate. These discounts can be used on all transactions of primary home, vacation home, and rental investment properties.

An employment verification will be done during the transaction to verify it is a current employee of UNC utilizing the discount.

Contact Information
Citizens Bank
4350 Congress St.
Charlotte, NC 28209

Phone: 646-750-3053
Email: Chirag.mody@citizensbank.com

With PNC Bank, you can choose Traditional Performance checking or the online experience of Virtual Wallet with Performance Spend. Open your account today with direct deposit and get these great benefits.

• Competetitive interest rates.
• Free PNC-exclusive checks.
• Unliminted check-writing.

You’ll enjoy no monthly service charge when the total amount of all qualifying direct deposits during the monthly statement period is at least $750.

Other services include:

• Refer a Co-Worker Rewards.
• Free Overdraft Protection set-up and transfers.
• Free PNC ATMs and Non-PNC ATM transactions.
• Non-PNC ATM surcharges reimbursed up to $8 per statement period.
• Bonus rates on select Certificates of Deposit and IRA CDs.
• Identity-Theft Reimbursement Insurance up to $5,000.
• Installment loan discounts with direct debit of payment from PNC checking.
• Free onsite educational seminars on popular financial topics.
• Enhanced Rewards with PNC Flex, PNC points, or CashBuilder^® VISA^® Credit Card. Ask for details.

Employees also receive BrightDime Max for 60% off (only $20/month with discount). BrightDime Max includes unlimited one-on-one financial coaching and advice from experts trained in goal setting and empathy.

BrightDime Essentials & Max
933 Louise Ave
Charlotte, NC 28231
Phone | 704-943-5550

This spring, a TIAA financial advisor will be on campus once a month for one-on-one appointments for advice on retirement savings and other financial matters. Individual sessions topics can include retirement planning, general financial planning, investment education advice, goal-setting and more.

TIAA Tuesdays from 8:30 a.m. to 5 p.m.

• Jan. 14
• Feb. 11
• March 4
• April 8
• May 13
• June 10

All sessions at UNC’s Administrative Office Building (AOB), 104 Airport Drive, Room 1501. Visitor parking is available.

Request an appointment online at TIAA.org/schedulenow, searching employer U of North Carolina-Chapel Hill, or call 800-732-8353, weekdays, 8 a.m. to 8 p.m.

To be best prepared for your appointment, watch this two-minute video on meeting with a financial advisor.

Examples of situations warranting the use of an emergency loan, may include, but are not limited to: a family medical emergency, threatened foreclosure or eviction from a primary residence, emergency automobile repairs or termination of utilities.

All requests for loans from the Emergency Loan Program will be kept confidential. No record of this loan is placed in the employee’s file unless problems are experienced regarding repayment of any loans.

Permanent EHRA or SHRA employees employed with UNC Chapel Hill with at least 12-months of continuous university service are eligible to apply for an interest free loan of no more than $500. Temporary employees, UNC Healthcare employees and UNC System Office employees are NOT eligible for an emergency loan through UNC Chapel Hill.

Only one loan will be issued to an employee during a 12-month period. The 12 month period begins on the date the employee receives payment from Disbursement Services. There must have been no previous emergency loans or outstanding loan balances in the previous 12 month period prior to applying for a loan.

Employees who need to apply for an emergency loan must submit an Emergency Loan Request & Authorization for Payroll Deduction form along with supporting documentation. These could include past due medical bills, past due mortgage/rental statement, emergency car repair bill, or past due utility statements that are less than 30 days old. The documentation should indicate a past due status. In signing the loan request form, the employee is affirming there are no other resources available for financial assistance, including his/her lending institution.

Loan requests are reviewed by the Benefits & Leave Support Center in the Office of Human Resources. If the emergency loan is approved by OHR Benefits, it goes to Accounts Payable who processes a direct deposit that may take 7-10 business days to be available in the primary account that the payroll deposits to.

All loans must be repaid through payroll deduction, not to exceed 10 biweekly pay periods for SHRA employees or 5 monthly pay periods for EHRA employees. If an employee terminates employment with the University for any reason before the entire loan is repaid, the outstanding balance will be deducted from the employee’s final paycheck.

A copy of the Emergency Loan Request & Authorization for Payroll Deduction form is transmitted to Payroll Services to establish the payroll deduction.

• Retirement planning
• Taxes
• Relocation
• Mortgages and insurance
• Budgeting, debt, bankruptcy and more