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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.
 Southeast Financial 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 30, 2026
Southeast Financial Credit Union's 5 Year CD rates are at 4.00%, 4 Year CD rates are at 3.75%, 3 Year CD rates are at 3.50%, 1 Year CD rates are at 3.40%, 18 Month CD rates are at 3.40%. Southeast Financial Credit Union's money market rates are at 1.50%. Southeast Financial Credit Union's checking rates are as high as 0.03%. Southeast Financial Credit Union's Personal Loan Rates are as low as 15.25%. Southeast Financial Credit Union's Credit Card Rates are at 12.00%. Southeast Financial Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Southeast Financial Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.91%. Rates last updated and verified on 10/30/2026. Southeast Financial 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 Southeast Financial Credit Union? Share your experience about Southeast Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Southeast Financial Credit Union. Southeast Financial Credit Union
Franklin 220 S Royal Oaks Blvd
https://www.southeastfinancial.org Franklin, TN 37064-5313  Customer Reviews
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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. Southeast Financial Credit Union CD Rates
Southeast Financial Credit Union Savings Rates
Southeast Financial Credit Union Money Market Rates
Southeast Financial Credit Union Checking Rates
Southeast Financial Credit Union Home Equity & HELOC
Southeast Financial Credit Union Auto Loan Rates
Southeast Financial Credit Union Credit Card Rates
Southeast Financial Credit Union Personal Loan Rates
Southeast Financial Credit Union Other Rates
Financial Health HistorySoutheast Financial Credit Union’s Texas Ratio rose from 5.67% in Q3 2023 to 7.91% in Q2 2026, so its financial health has held steady at a healthy level 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)
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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 Southeast Financial 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 Southeast Financial 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 Southeast Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southeast Financial Credit Union
Address
220 S Royal Oaks Blvd,
Franklin, TN 37064-5313
Phone
615-465-5400
Fax
615-465-5569
President
Cleo Duckworth
CEO
John Jacoway
Full-Time Employees
127
Part-Time Employees
5
Branch Locations
12
ATM Locations
9
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
7.91%
Return on Assets (ROA)
0.1431%
Return on Equity (ROE)
1.7923%
Non-Performing Loans Ratio (NPL)
0.85%
Total Assets
466,848,376
Total Amount of Shares and Deposits
429,146,876
Total Shares and Deposits < 1 Year
413,315,420
Total Shares and Deposits 1 3 Years
9,591,039
Total Shares and Deposits > 3 Years
6,240,417
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,993,515
Total Uninsured Shares and Deposits > $250K (F+J)
34,993,515
Total Insured Shares and Deposits > $250K (item 17 less item K)
394,153,361
Total Interest Expense (Sum of items 6 8)
3,104,108
Share Certificates
3,463
Number of Accounts for Share Drafts
12,793
IRA KEOGH Accounts
760
Number of Accounts for Regular Shares
39,210
All other shares
76
Money Market Shares
894
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)
46,918,460
Total Liabilities
428,826,478
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Southeast Financial Credit Union
Frequently Asked Questions About Southeast Financial Credit UnionDoes Southeast Financial Credit Union offer CDs?Yes. Southeast Financial Credit Union current CD rates include its 5 Year CD at 4.00% APY, its 4 Year CD at 3.75% APY and its 3 Year CD at 3.50% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Southeast Financial Credit Union NCUA insured?Yes. Southeast Financial 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 Southeast Financial Credit Union?The highest Southeast Financial Credit Union CD rate is its 5 Year CD at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Southeast Financial Credit Union offer?Southeast Financial Credit Union CD rates are 3.40% APY for a 12 month CD, 3.40% APY for an 18 month CD, 3.40% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.75% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Southeast Financial Credit Union for its full lineup. What is the highest money market rate at Southeast Financial Credit Union?The highest Southeast Financial Credit Union money market rate is its Money Market Accounts at 1.50% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Southeast Financial Credit Union?The highest Southeast Financial Credit Union checking rate is its Health Checking Account at 0.03% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Southeast Financial Credit Union?The lowest Southeast Financial Credit Union auto loan rate is its Car & Truck Loans at 2.00% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Southeast Financial Credit Union?The lowest Southeast Financial Credit Union personal loan rate is its Visa Signature Card at 15.25% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Southeast Financial Credit Union?The lowest Southeast Financial Credit Union credit card APR is its Visa Platinum Card Credit Card at 12.00% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Southeast Financial Credit Union operate?Southeast Financial 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 Southeast Financial Credit Union?Yes, to access services at Southeast Financial 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, Southeast Financial 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, Southeast Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southeast Financial Credit Union offer online and mobile banking?Most modern institutions like Southeast Financial 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.southeastfinancial.org. 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 Southeast Financial Credit Union rates compare?Southeast Financial Credit Union's CD rates are 22% higher than the MonitorBankRates national average, and it has an A health rating. Southeast Financial Credit Union's top rates are its 5 Year CD at 4.00% APY, its Money Market Accounts at 1.50% APY, its Health Checking Account at 0.03% APY, its Visa Signature Card at 15.25% APR and its Visa Platinum Card Credit Card at 12.00% APR, verified by MonitorBankRates on October 30, 2026. Current Southeast Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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