State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only.Search for SECU branch and CashPoints ATM locations. Find a State Employees’ Credit Union branch or ATM near you | banking, ATM, mortgage loan, home loan, auto loan, checking, savings, credit cards ... FAT CAT Youth NC Lifetime Income SECU Foundation Zard Teen. Connect with SECU. SECU Facebook SECU Instagram SECU Linkedin. Legal Information.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Charlotte - Monroe Road, 1720 Oakhurst Commons Dr, Charlotte, NC. SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, High Point - Penny Rd, 3850 John Gordon Ln, High Point, NC. Checking. $0. 0.05% Zard ® Checking. $0. 0.05% Share Accounts 1. Dividend Rates and APYs accurate as of 2/23/2024. Account Type. Minimum Opening … What You’ll Need. To set up direct deposit, you’ll need to provide the depositor with State Employees’ Credit Union’s ABA Routing Transit Number and your account number. You can locate your account number on the Summary of Accounts page on your monthly statement or your Account Summary in Member Access. Member Access Enrollment - Validate Card. Member Access is a convenient way to manage your accounts anytime and anywhere Internet access is available. Provide the …Browse all State Employees’ Credit Union locations in Smithfield, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cardsBrowse all State Employees’ Credit Union locations in Fayetteville, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cardsThe Blue Ridge Parkway starts at the Great Smoky Mountains National Park at Cherokee, North Carolina. It runs northeast into Virginia, ending at the Shenandoah National Park at Way...Contact Your Local Branch. For immediate assistance, or for questions and/or concerns, please contact your local branch office. Hours: Mon - Fri 8:30 am - 5:30 pm (Eastern) …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Sylva, 1746 E …State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only.State Employees' Credit Union. 4.9 star. 57.1K reviews. 500K+. Downloads. Everyone. info. Install. About this app. arrow_forward. Manage your accounts conveniently and securely with SECU’s Mobile...SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Roxboro, 220 Long Avenue, Roxboro, NC.The Credit Union's BillPay Service provides members with the ability to pay recurring or one-time bills through Member Access. Follow these 4 easy steps to use BillPay Service: Enroll in BillPay. Add BillPay Payees. Add Bill Payments for your payees. Sit back and relax as we pay your bills as directed by you.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Raleigh - New Hope Rd, 1595 Corporation Parkway, Raleigh, NC.Search for SECU branch and CashPoints ATM locations. Find a State Employees’ Credit Union branch or ATM near you | banking, ATM, mortgage loan, home loan, auto loan, checking, savings, credit cards ... FAT CAT Youth NC Lifetime Income SECU Foundation Zard Teen. Connect with SECU. SECU Facebook SECU Instagram SECU Linkedin. Legal Information.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Sylva, 1746 E …State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only.Toll-Free: (888) 732-8562. Fax: (828) 754-4215. Report Phone Problem. Address: SECU Lenoir Branch 503 Wilkesboro Boulevard NE Lenoir, NC 28645. Website: Visit Website.There’s no fee to receive wire deposits in your account. The following information 2 is needed to receive a wire transfer: SECU’s receiving address – State Employees’ Credit Union (State ECU Raleigh), Raleigh NC, 27605. Contact our 24/7 Member Services at (888) 732-8562 if you have questions about wiring instructions.State Employees’ Credit Union Raleigh: banking, ATM, mortgage loan, home loan, auto loan, checking, savings, credit cards in Raleigh, NC. State Employees’ Credit Union: …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Boone - Blowing Rock Rd, 1470 Blowing Rock Rd, Boone, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Pineville, 9007 Pineville-Matthews Rd, Pineville, NC. Historically Underutilized Businesses. The North Carolina Office for Historically Underutilized Businesses was established on April 20, 1999 through the signing of Executive Order 150. The mission of this office is to promote the economic opportunities for historically underutilized businesses in State Government contracting and procurement ... SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Boiling Springs, 435 East College Avenue, Shelby, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Rutherfordton, 428 S Main St, Rutherfordton, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Murfreesboro, 900 W Main St, Murfreesboro, NC.For immediate assistance, contact Member Services at (888) 732-8562 Lending Services Hours of Operation: 8:00 am – 9:00 pm (Eastern) SECU will not ask for personal information such as online credentials, account numbers or card numbers via …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Wilson - Nash St, 4501 Nash St NW, Wilson, NC.Oct 17, 2022 ... Local Government Federal Credit Union in Raleigh, North Carolina, has relied on State Employees' Credit Union's guidance — and branch ... The requested URL was rejected. Please consult with your administrator. Your support ID is: <11355915751324239784>. State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only.The SECU Foundation, a 501(c)(3) charitable organization funded by the contributions of SECU members, promotes local community development in North Carolina primarily through high-impact projects in the areas of housing, education, healthcare, and human services. Since 2004, SECU Foundation has made a collective financial commitment of over ...New lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia. 1 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. The variable APR for purchases and balance transfers equals the U.S. Prime Rate plus a margin of between 4.50% and 9.50%, based on your creditworthiness ...Member Access Enrollment - Validate Card. Member Access is a convenient way to manage your accounts anytime and anywhere Internet access is available. Provide the …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Mebane, 1900 South Hwy 119, Mebane, NC. Browse all State Employees’ Credit Union locations in Burlington, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cards Online Security. For immediate assistance, contact our 24/7 Member Services at (888) 732-8562 . It is increasingly important to take the necessary steps to make sure your account information is not compromised due to the rise of identity theft and fraud. SECU has implemented a variety of precautions to make sure our members are safe and do not ...Browse all State Employees’ Credit Union locations in Concord, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cardsBrowse all State Employees’ Credit Union locations in Smithfield, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cardsSECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Hickory - Mountain View, 3100 S NC 127 Hwy, Hickory, NC.Browse all State Employees’ Credit Union locations in Hickory, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cards The Credit Union uses the following fraud detection methods to identify threats to your accounts and personal information: Real-time monitoring of online and card transactions using neural net technology. Multiple firewalls, anti-virus systems, and intrusion detection and prevention systems. Branding protection to guard against spoofing. SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Charlotte - University City Blvd, 8605 University City Blvd, Charlotte, NC.Oct 27, 2022 ... Comments · In Quicken, select the Tools menu, then choose Online Center. · Click the Financial Institution dropdown arrow and select the ...SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Lexington, 404 … Combine multiple accounts to a single statement 2. Choose your statement cycle date 3. View statements online immediately once available. Print or download statements for safekeeping. Receive alert notifications when your statements are available 4. Access year-end tax documents online. Sign up for E-Statements. SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, …The SECU Foundation, a 501(c)(3) charitable organization funded by the contributions of SECU members, promotes local community development in North Carolina primarily through high-impact projects in the areas of housing, education, healthcare, and human services. Since 2004, SECU Foundation has made a collective financial commitment of over ...The State Employees' Credit Union routing number is 253177049. It will be required when users are setting up transfers such as direct deposits or organizing a recurring bill. Customers can complete transactions online, through the mobile app or by contacting a customer service representative at 888-732-8562. Support is available 24/7. …Duck, NC is a charming seaside town on the Outer Banks of North Carolina that offers a perfect vacation destination for families, couples and solo travelers alike. When it comes to...Share Term Certificate (STC) Account. State Employees' Credit Union offers members the opportunity to earn a higher rate of interest on their savings if they invest their funds for a fixed period of time in one or more STCs. Members have the option to open regular STCs with 6- to 60-month terms or a series of five laddered STCs with graduated ...Share Term Certificate (STC) Account. State Employees' Credit Union offers members the opportunity to earn a higher rate of interest on their savings if they invest their funds for a fixed period of time in one or more STCs. Members have the option to open regular STCs with 6- to 60-month terms or a series of five laddered STCs with graduated ...Mobile App. Mobile Check Deposit is Here! Watch on. New. Debit Card Lock. Protect your account from unwanted transactions by locking your debit card directly from your mobile …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Henderson, 1795 Graham Ave, Henderson, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Taylorsville, 45 Carrigan Road, Taylorsville, NC.We would like to show you a description here but the site won’t allow us. Register SECU’s Mobile App in 4 Steps. Enter your existing Member Access User ID and password. Answer your security question or enter One-Time Passcode. Set your new device passcode for additional security. Set up Touch ID or Face ID. Manage Accounts. View account balances. View transaction details. Manage Cards. Toll-Free: (888) 732-8562. Fax: (828) 754-4215. Report Phone Problem. Address: SECU Lenoir Branch 503 Wilkesboro Boulevard NE Lenoir, NC 28645. Website: Visit Website.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Durham - Duke St, 504 S Duke St, Durham, NC. State Employees' Credit Union offers a checking account that is convenient and affordable. By owning a checking account, your maintenance fee is contributed to the SECU foundation. SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Henderson, 1795 Graham Ave, Henderson, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Matthews, 1825 Matthews Township Pkwy, Matthews, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Rolesville, 5801 Rogers Road, Rolesville, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Elizabethtown, 59 Members Circle Rd, Elizabethtown, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Matthews, 1825 Matthews Township Pkwy, Matthews, NC.9900 Fayetteville Rd. Raleigh, NC 27603. (919) 762-3773. Get Directions. Branch Details. Browse all State Employees’ Credit Union locations in Raleigh, NC for banking, ATM, … With unlimited access 2 to your credit line through real-time loan advances, 3 our variable-rate 4,5 Open-End Signature loan is one of our most flexible finance options. Minimum payment based on the outstanding principal balance. Can serve as a protecting account for your Credit Union Checking account through participation in our Overdraft ... State Employees’ Credit Union Raleigh: banking, ATM, mortgage loan, home loan, auto loan, checking, savings, credit cards in Raleigh, NC. State Employees’ Credit Union: …Qualifying for a Loan. Our goal is to provide fair and quality service to all members. Loans are assets of the Credit Union and we strive to help members with loans that mutually benefit all members, while protecting the assets of the Credit Union. We are available to accept applications online, by phone, or in the branch, and can usually ...SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Hickory - Mountain View, 3100 S NC 127 Hwy, Hickory, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Raleigh - Centennial Pkwy, 560 Centennial Pkway, Raleigh, NC.Feb 3, 2024 ... Membership Eligibility. State Employees' Credit Union is a member-owned, not-for-profit cooperative. Membership is limited to persons who ...Get more information for State Employees' Credit Union in Garner, NC. See reviews, map, get the address, and find directions.Combine multiple accounts to a single statement 2. Choose your statement cycle date 3. View statements online immediately once available. Print or download statements for safekeeping. Receive alert notifications when your statements are available 4. Access year-end tax documents online. Sign up for E-Statements.Qualifying for a Loan. Our goal is to provide fair and quality service to all members. Loans are assets of the Credit Union and we strive to help members with loans that mutually benefit all members, while protecting the assets of the Credit Union. We are available to accept applications online, by phone, or in the branch, and can usually ...SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Rocky Mount - Sunset Ave, 3357 Sunset Ave, Rocky Mount, NC.With unlimited access 2 to your credit line through real-time loan advances, 3 our variable-rate 4,5 Open-End Signature loan is one of our most flexible finance options. Minimum payment based on the outstanding principal balance. Can serve as a protecting account for your Credit Union Checking account through participation in our Overdraft ...9900 Fayetteville Rd. Raleigh, NC 27603. (919) 762-3773. Get Directions. Branch Details. Browse all State Employees’ Credit Union locations in Raleigh, NC for banking, ATM, …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Raleigh - Falls Of Neuse Rd, 1621 Pacific Dr, Raleigh, NC.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Clayton, 512 Regency Dr, Clayton, NC. State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible. Member Access is an account access service reached via the internet by members of the Credit Union. All first-time users must enroll in Member Access by clicking the "Enroll" link on our homepage or the "Enroll Now!" link on our sign on page. How to Sign on: Enter your User ID. Enter the unique User ID you created when you previously enrolled. SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Chapel Hill - N Chatham Park, 173 N Chatham Parkway, Chapel Hill, NC. Browse all State Employees’ Credit Union locations in Pittsboro, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cards ... SECU will not ask for personal information such as online credentials, account numbers or card numbers via email, voice or text messaging. ...Sep 17, 2018 ... What time it hits will vary, but ACH rules state that your deposit should be posted to your account by 9 a.m. or opening of business, whichever ...Share Term Certificate (STC) Account. State Employees' Credit Union offers members the opportunity to earn a higher rate of interest on their savings if they invest their funds for a fixed period of time in one or more STCs. Members have the option to open regular STCs with 6- to 60-month terms or a series of five laddered STCs with graduated ... Browse all State Employees’ Credit Union locations in Albemarle, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cards Are you looking for a new car in the Charlotte, NC area? Look no further than City Chevrolet. With a wide selection of vehicles from the latest models to pre-owned cars, City Chevr...
SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Swan Quarter, 13115 US Hwy 264, Swanquarter, NC.. Task managers
Jun 8, 2023 ... SECU | SECU Foundation – Our Members, Their Stories – Dennis Deloatch, Ahoskie, NC (Hertford County). 419 views · 8 months ago ...more. NCSECU.Membership Eligibility. State Employees' Credit Union is a member-owned, not-for-profit cooperative. Membership is limited to persons who meet the eligibility requirements. Employees of the state of North Carolina. Federal employees assigned to North Carolina state agencies (for example, a federal US Department of Agriculture employee assigned ...When it comes to finding the perfect accommodation for your stay in Asheville, NC, look no further than Drury Hotels. Known for their exceptional service and top-notch amenities, D...The SECU Foundation, a 501(c)(3) charitable organization funded by the contributions of SECU members, promotes local community development in North Carolina ...9900 Fayetteville Rd. Raleigh, NC 27603. (919) 762-3773. Get Directions. Branch Details. Browse all State Employees’ Credit Union locations in Raleigh, NC for banking, ATM, …In the effort of continuing to educate our youth on financial responsibility, State Employees' Credit Union offers members ages 13-19 the opportunity to participate in our Zard program for teens. Focused on helping teens develop solid money management skills, the Zard program offers teens a variety of products and …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Murfreesboro, 900 W Main St, Murfreesboro, NC.Establish a one-time or recurring transfer through Member Access, your local branch or our 24/7 Member Services at (888) 732-8562. Establish a one-time transfer through SECU's Mobile App or ASK SECU. Transfer from checking, share, CashPoints Global (CPG) or money market accounts. Transfer to most Credit …Combine multiple accounts to a single statement 2. Choose your statement cycle date 3. View statements online immediately once available. Print or download statements for safekeeping. Receive alert notifications when your statements are available 4. Access year-end tax documents online. Sign up for E-Statements. SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Raleigh - Falls Of Neuse Rd, 1621 Pacific Dr, Raleigh, NC. SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Yadkinville, 233 North Lee Avenue, Yadkinville, NC.Shopping for a new car is an exciting experience, but it can also be overwhelming. With so many dealerships to choose from, it can be difficult to decide which one is right for you...After more than five months of war, the UN Security Council for the first time Monday demanded an immediate ceasefire in Gaza after the United States, Israel's ally …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Fayetteville - Sycamore Dairy Rd, 4065 Sycamore Dairy Rd, Fayetteville, NC.Member Access is an account access service reached via the internet by members of the Credit Union. All first-time users must enroll in Member Access by clicking the "Enroll" link on our homepage or the "Enroll Now!" link on our sign on page. How to Sign on: Enter your User ID. Enter the unique User ID you created when you previously enrolled. State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible. We would like to show you a description here but the site won’t allow us. Whenever we receive, display, or send personal or financial information through our mobile app, we use encryption technology. The purpose of encryption is to help ensure digital data remains confidential and to prevent unauthorized access to data. Visit our Online Security section for more information on how SECU protects your accounts and ... Option to send paper checks to individual and business payees if electronic payments are not available. Enter up to 15 one-time payments at a time. Over 15,000 payees sent electronically. Online BillPay service is a quick, convenient and less expensive alternative to writing and mailing checks each month.Browse all State Employees’ Credit Union locations in Laurinburg, NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, and credit cards.