The opening hours of ncsecu will be 8.30 am to 5.30 pm and Monday to Friday excluding the designated holidays. You can search for nearest store of the ncsecu using Branch or ATM locator option. On the online website ncsecu.org, you can find the nearest locations by entering the search address, locations, and search for branches or ATMs. Visa ATM locations can be found out using Visa's Locator option from the online website. During opening hours, you can get the services from Credit Union such as loan products, accounts & cards, insurance & investments, mobile & online, and other related services. In the loan products, you can able to get auto, mortgages, and personal loans. Auto loans including car buying service, car rental service, GAP coverage, car valuations, and vehicle loans. The mortgages are subsuming adjustable rate mortgages, home equity line of credit, mortgage loan toolkit, mortgage assistance program, special mortgage programs, and national mortgage licensing system. ncsecu personal loans included open-end signature, salary advance, student, term notes, share secured, and Visa credit card. Under accounts & cards, you can able to get the services like cardholder travel information, Visa credit card, Visa gift card, debit cards, CashPoints Global, checking, Holiday cash club, Money market share, health savings, coverdell education savings program, share term certificate, share, and summer cash. The insurance and investment solutions are annuities, health, life insurance, investment accounts, and medicare supplement plan. Mobile services subsuming alerts, another chance, one time passcode, two-way text messaging, mobile payments, and mobile services. Online services involving BillPay, Browser Requirements, member access, financial assessment, check images, FICO score, quicken download, Visa credit card balance transfer, real time loan advance, online security, statements, and Visa credit card cash advance. Other added services are automated services, branch services and tax services. The automated services subsuming ASK SECU, CashPoints ATM, Payroll Deduction, Wire Transfer, and Funds Transfer. The branch services are coin sorters, currency, safe deposit boxes, shred days, savings bonds, and checking account switch kit. Tax services included low-cost tax program, tax preparation, prepare your own taxes, volunteer income tax assistance and year end tax documents. FICO score offers a single number that can be used by lenders and others to measure a credit report. It uses complex computations to weigh and assign values to components of the credit score. This score is important that it can impact your ability to obtain a new loan. The higher the score, the better. It is one of many attributes that are considered by Credit Union when reviewing loan requests. Factors included your income, payment affordability, history with the Credit Union, and collateral value all play a role in helping the lending decisions. As a Credit Union member, financial assessment is the first step to improve your financial condition. It offers several tools including general financial assessment, life insurance need analysis, education savings assessment, spending plan, and a Pre or Post Retirement planning tool. You can Login to the Member Access to take the first step to a financially secure future. You can get the financial assessment tools from your local branch.