|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Select Employees Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Select Employees Credit Union's CDs of Deposit - 1 year rates are at 3.90%, CDs of Deposit - 6 month rates are at 3.85%, CDs of Deposit - 2 year rates are at 3.75%, CDs of Deposit - 4 year rates are at 3.50%, CDs of Deposit - 3 year rates are at 3.25%. Select Employees Credit Union's Personal Loan Rates are as low as 9.00%. Select Employees Credit Union's Credit Card Rates are at 9.90%. Select Employees Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Select Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.19%. Rates last updated and verified on 10/29/2026. Select Employees 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 Select Employees Credit Union? Share your experience about Select Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Select Employees Credit Union. Select Employees Credit Union
Select Employees Credit Union 2412 Freeport Rd
https://www.selectcu.com Sterling, IL 61081-7626  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Select Employees Credit Union CD Rates
Select Employees Credit Union Savings Rates
Select Employees Credit Union Auto Loan Rates
Select Employees Credit Union Credit Card Rates
Select Employees Credit Union Personal Loan Rates
Select Employees Credit Union Other Rates
Financial Health HistorySelect Employees Credit Union’s Texas Ratio fell from 6.31% in Q3 2023 to 1.19% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Select Employees 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 Select Employees 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 Select Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Select Employees Credit Union
Website
https://www.selectcu.com
Address
2412 Freeport Rd,
Sterling, IL 61081-7626
Phone
815-626-8181
Fax
815-626-1236
President
Richard Douglas
CEO
Susan Branch
Full-Time Employees
13
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.19%
Return on Assets (ROA)
0.7732%
Return on Equity (ROE)
6.1198%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
78,568,196
Total Amount of Shares and Deposits
68,351,019
Total Shares and Deposits < 1 Year
67,424,222
Total Shares and Deposits 1 3 Years
851,026
Total Shares and Deposits > 3 Years
75,771
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,695,919
Total Uninsured Shares and Deposits > $250K (F+J)
2,695,919
Total Insured Shares and Deposits > $250K (item 17 less item K)
65,655,100
Total Interest Expense (Sum of items 6 8)
324,685
Share Certificates
136
Number of Accounts for Share Drafts
3,205
Number of Accounts for Regular Shares
6,702
Money Market Shares
134
Net Income (unless the amount is already included in Undivided Earnings)
607,490
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
14,963,934
Total Liabilities
68,641,555
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Select Employees Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Select Employees Credit Union
Frequently Asked Questions About Select Employees Credit UnionDoes Select Employees Credit Union offer CDs?Yes. Select Employees Credit Union current CD rates include its CDs of Deposit - 1 year at 3.90% APY, its CDs of Deposit - 6 month at 3.85% APY and its CDs of Deposit - 2 year at 3.75% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Select Employees Credit Union NCUA insured?Yes. Select Employees Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Select Employees Credit Union?The highest Select Employees Credit Union CD rate is its CDs of Deposit - 1 year at 3.90% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Select Employees Credit Union offer?Select Employees Credit Union CD rates are 3.85% APY for a 6 month CD, 3.90% APY for a 12 month CD, 3.75% APY for a 2 year CD, 3.25% APY for a 3 year CD and 3.50% APY for a 4 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Select Employees Credit Union for its full lineup. What is the lowest auto loan rate at Select Employees Credit Union?The lowest Select Employees Credit Union auto loan rate is its New or Used Auto at 3.99% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Select Employees Credit Union?The lowest Select Employees Credit Union personal loan rate is its Personal Loan at 9.00% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Select Employees Credit Union?The lowest Select Employees Credit Union credit card APR is its Visa Platinum Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Select Employees Credit Union operate?Select Employees 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 Select Employees Credit Union?Yes, to access services at Select Employees 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, Select Employees 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, Select Employees Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Select Employees Credit Union offer online and mobile banking?Most modern institutions like Select Employees 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.selectcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Select Employees Credit Union rates compare?Select Employees Credit Union's CD rates are 27% higher than the MonitorBankRates national average, and it has an A+ health rating. Select Employees Credit Union's top rates are its CDs of Deposit - 1 year at 3.90% APY, its Personal Loan at 9.00% APR and its Visa Platinum Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026. Current Select Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Advanz Federal Credit Union
Lakota Federal Credit Union
Credit Union of Southern California
South Central Missouri Credit Union
Houston Texas Fire Fighters Credit Union
Texas DPS Credit Union
Community Federal Credit Union
CUSA Federal Credit Union
New Haven County Credit Union
Har-co Credit Union
KeyPoint Credit Union
Lovers Lane Credit Union
Science Park Federal Credit Union
First Choice Federal Credit Union
Del Rio SP Credit Union
C&R Credit Union
Options Credit Union
Titan Federal Credit Union
First Community Credit Union of Beloit Credit Union
Ellafi Federal Credit Union
Elko Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
