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CSE Federal Credit Union Rates & Review April 2026

CSE Federal Credit Union's IRA CD 6-Month rates are at 3.09%, 6-Month CD rates are at 3.04%, IRA CD 1-Year rates are at 2.99%, 1-Year CD rates are at 2.94%, IRA CD 18-Month rates are at 2.89%. CSE Federal Credit Union's savings rates are at 0.10%. CSE Federal Credit Union's money market rates are at 0.55%. CSE Federal Credit Union's Personal Loan Rates are at 6.10%. MonitorBankRates evaluates the financial stability of CSE Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.33%. Rates were last updated on 04/17/2026.

CSE Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at CSE Federal Credit Union? Share your experience about CSE Federal Credit Union by leaving a review below, or read customer reviews before you decide to use CSE Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.33%
Excellent Lower than avg
CSE Federal Credit Union
CSE Federal Credit Union
4321 Nelson Rd
Lake Charles, LA 70605 4119
https://www.csefcu.org
Member NCUA

CSE Federal Credit Union CD Rates

Product Rate APY Term View More
IRA Certificate 6-Month 3.05% 3.09% 6-Month
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
6-Month Share Certificate 3.00% 3.04% 6-Month
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
IRA Certificate 1-Year 2.95% 2.99% 1-Year
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
1-Year Share Certificate 2.90% 2.94% 1-Year
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
IRA Certificate 18-Month 2.85% 2.89% 18-Month
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
18-Month Share Certificate 2.80% 2.84% 18-Month
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
IRA Certificate 2-Year 2.70% 2.73% 2-Year
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
2-Year Share Certificate 2.65% 2.68% 2-Year
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
IRA Certificate 5-Year 2.30% 2.32% 5-Year
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
5-Year Share Certificate 2.25% 2.27% 5-Year
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
IRA Certificate 3-Year 2.15% 2.17% 3-Year
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
3-Year Share Certificate 2.10% 2.12% 3-Year
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%

CSE Federal Credit Union Savings Rates

Product Rate APY View More
IRA Savings 0.30% 0.30%
Min Deposit $25
Min Balance $25
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Business Savings 0.10% 0.10%
Min Deposit $5
Min Balance $5
Details Account transfer limitations apply
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Christmas Club 0.10% 0.10%
Min Deposit $25
Min Balance $25
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Payable-on-Death Savings 0.10% 0.10%
Min Deposit $5
Min Balance $5
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Savings 0.10% 0.10%
Min Deposit $5
Min Balance $5
Details Account transfer limitations apply
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Teen Savings 0.10% 0.10%
Min Deposit $5
Min Balance $5
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
UTMA Savings 0.10% 0.10%
Min Deposit $25
Min Balance $5
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%

CSE Federal Credit Union Money Market Rates

Product Rate APY View More
Money Market 0.85% 0.85%
Min Deposit $2,500
Min Balance $100,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Money Market 0.75% 0.75%
Min Deposit $2,500
Min Balance $50,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Money Market 0.65% 0.65%
Min Deposit $2,500
Min Balance $25,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Money Market 0.60% 0.60%
Min Deposit $2,500
Min Balance $10,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Money Market 0.55% 0.55%
Min Deposit $2,500
Min Balance $2,500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%

CSE Federal Credit Union Checking Rates

Product Rate APY View More
REWARDS CHECKING - 3.25%
Details Qualifying balance up to $20,000.00
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Basic Checking - 0.00%
Min Deposit $50
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Prime Checking - 0.00%
Min Deposit $50
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Rising Checking - 0.00%
Min Deposit $25
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Teen Checking - 0.00%
Min Deposit $50
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%

CSE Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - - 6.10% 36
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Used Auto Loans - - 6.35% Up to 24 Months
Details Maximum term for loans up to $5,000 is 24 months
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
New Auto Loans - - 6.60% 72
Details Loan amount is $15,001 or greater
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%
Used Auto Loans - - 7.10% Up to 60 Months
Details Loan amount is $14,001 or greater
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.33%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for CSE Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather CSE Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with CSE Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name CSE Federal Credit Union
Address 4321 Nelson Rd, Lake Charles, LA 70605 4119
Phone 337-477-2000
Fax
President Leo Blackmer
CEO Matt Koch
Full-Time Employees 122
Part-Time Employees 4
Branch Locations 5
ATM Locations 6
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.33%
Return on Assets (ROA)
0.1652%
Return on Equity (ROE)
1.5345%
Non-Performing Loans Ratio (NPL)
0.77%
Total Assets
454,613,388
Total Amount of Shares and Deposits
407,010,330
Total Shares and Deposits < 1 Year
402,507,236
Total Shares and Deposits 1 3 Years
3,193,018
Total Shares and Deposits > 3 Years
1,310,076
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
28,688,548
Total Uninsured Shares and Deposits > $250K (F+J)
28,688,548
Total Insured Shares and Deposits > $250K (item 17 less item K)
378,321,782
Total Interest Expense (Sum of items 6 8)
4,474,701
Share Certificates
2,648
Number of Accounts for Share Drafts
16,573
IRA KEOGH Accounts
831
Number of Accounts for Regular Shares
35,725
All other shares
650
Money Market Shares
252
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
76,936,923
Total Liabilities
407,439,455
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About CSE Federal Credit Union

Is CSE Federal Credit Union a safe place to deposit money?

Yes, CSE Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.3310509898154%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does CSE Federal Credit Union operate?

CSE Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join CSE Federal Credit Union?

Yes, to access services at CSE Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, CSE Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, CSE Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does CSE Federal Credit Union offer online and mobile banking?

Most modern institutions like CSE Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.csefcu.org.

Current CSE Federal Credit Union Rates

  • 12-Month CD2.94%
  • 18-Month CD2.84%
  • 24-Month CD2.68%
  • 60-Month CD2.27%
  • Savings0.10%
  • MMA0.55%
Retrieved from our database of financial products. Rates subject to change.