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 Southeast Michigan State Employees Federal Credit Union Rates & Review September 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.
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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: September 20, 2026
Southeast Michigan State Employees Federal Credit Union's 60 Month CDs rates are at 3.54%, 24 Month Jumbo CDs rates are at 3.27%, 48 Month CDs rates are at 3.27%, 12 Month Jumbo CDs rates are at 3.03%, 36 Month CDs rates are at 3.03%. Southeast Michigan State Employees Federal Credit Union's Personal Loan Rates are as low as 10.25%. Southeast Michigan State Employees Federal Credit Union's Credit Card Rates are at 8.90%. MonitorBankRates evaluates the financial stability of Southeast Michigan State Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.24%. Rates last updated and verified on 09/20/2026. Southeast Michigan State Employees 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 Southeast Michigan State Employees Federal Credit Union? Share your experience about Southeast Michigan State Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Southeast Michigan State Employees Federal Credit Union. Southeast Michigan State Employees Federal Credit Union
Southeast Michigan State Employees Federal Credit Union 6230 Orchard Lake Rd
https://www.smsefcu.com West Bloomfield, MI 48322 
Southeast Michigan State Employees Federal Credit Union CD Rates
Southeast Michigan State Employees Federal Credit Union Savings Rates
Southeast Michigan State Employees Federal Credit Union Auto Loan Rates
Southeast Michigan State Employees Federal Credit Union Credit Card Rates
Southeast Michigan State Employees Federal Credit Union Personal Loan Rates
Southeast Michigan State Employees Federal Credit Union Other Rates
Financial Health HistorySoutheast Michigan State Employees Federal Credit Union’s Texas Ratio fell from 11.24% in Q2 2023 to 2.24% in Q1 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)
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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 Michigan State Employees 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 Southeast Michigan State Employees 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 Southeast Michigan State Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southeast Michigan State Employees Federal Credit Union
Website
https://www.smsefcu.com
Address
6230 Orchard Lake Rd,
West Bloomfield, MI 48322
Phone
248-557-2266
Fax
248-557-0453
President
Robert Andrews
CEO
Danielle Goss
Full-Time Employees
11
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
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
2.24%
Return on Assets (ROA)
0.2957%
Return on Equity (ROE)
2.5060%
Non-Performing Loans Ratio (NPL)
1.83%
Total Assets
51,525,716
Total Amount of Shares and Deposits
45,960,041
Total Shares and Deposits < 1 Year
45,187,816
Total Shares and Deposits 1 3 Years
747,402
Total Shares and Deposits > 3 Years
24,823
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,583,880
Total Uninsured Shares and Deposits > $250K (F+J)
2,583,880
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,376,161
Total Interest Expense (Sum of items 6 8)
33,887
Share Certificates
98
Number of Accounts for Share Drafts
1,846
IRA KEOGH Accounts
49
Number of Accounts for Regular Shares
3,631
Money Market Shares
184
Net Income (unless the amount is already included in Undivided Earnings)
152,373
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)
6,029,680
Total Liabilities
45,795,765
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Southeast Michigan State Employees Federal Credit Union yet. Feel free to create one below.
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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 Michigan State Employees Federal Credit Union
Frequently Asked Questions About Southeast Michigan State Employees Federal Credit UnionHow many branches does Southeast Michigan State Employees Federal Credit Union operate?Southeast Michigan State Employees 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 Southeast Michigan State Employees Federal Credit Union?Yes, to access services at Southeast Michigan State Employees 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, Southeast Michigan State Employees 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, Southeast Michigan State Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southeast Michigan State Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Southeast Michigan State Employees 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.smsefcu.com. Current Southeast Michigan State Employees Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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