Last Updated: 07/11/2025
State Employees' Credit Union Zard Share Account
Unaffiliated
Last Updated: 07/11/2025
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Highlights
APY (Annual Percentage Yield)
0.25%(Verified 06/21/2024)
Minimum Opening Deposit
$25
Minimum Balance to Earn APY
$0
State Employees' Credit Union Zard Share Account Review
State Employees' Credit Union Zard Share Account is offered by State Employees Credit Union, a credit union founded in 1937 and based in Raleigh, NC. State Employees' Credit Union Zard Share Account are available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. State Employees' Credit Union Zard Share Account has an annual percentage yield of up to 0.25%, which is higher than the average interest rate for savings accounts.
- Charges a monthly fee. This account charges a monthly fee of $1, but the fee may be waived if you keep a minimum balance of$25.
State Employees' Credit Union Zard Share Account Pros & Cons
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State Employees' Credit Union Zard Share Account FAQ
Are savings accounts from State Employees Credit Union federally insured?
Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
Does State Employees Credit Union offer a signup bonus?
State Employees' Credit Union Zard Share Account doesn't offer a signup bonus.
What is the minimum initial deposit for State Employees' Credit Union Zard Share Account?
The minimum deposit to open a State Employees' Credit Union Zard Share Account is $25.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Required Balance | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What APY does State Employees' Credit Union Zard Share Account offer?
State Employees' Credit Union Zard Share Account offers an APY of 0.25% (APY stands for annual percentage yield, rates may change).
The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually. What fees does State Employees' Credit Union Zard Share Account charge?
This account charges a monthly service fee of $1. However, you can waive the monthly fees if you have a minimum daily balance of $25.
- Outgoing domestic bank transfers come with a $10 fee.
- Outgoing international bank transfers come with a $25 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
- State Employees' Credit Union Zard Share Account charges $1 every time you request a paper statement.
What features and perks does State Employees' Credit Union Zard Share Account offer?
This savings account includes the following features:
- Mobile Banking Services - State Employees' Credit Union Zard Share Account allows you to manage your money online or with a mobile app.
Can you set up a direct deposit to State Employees' Credit Union Zard Share Account?
Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.
What is the customer support email for State Employees' Credit Union Zard Share Account?
The customer support email for State Employees' Credit Union Zard Share Account is info@ncsecu.org.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed