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Southeastern Ohio Credit Union

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Southeastern Ohio Credit Union Rates & Review March 2026

Q: Is Southeastern Ohio Credit Union a safe place to deposit money?

Yes, Southeastern Ohio Credit Union is considered a safe financial institution. With a Texas Ratio of 5.4090221441276%, 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.

Q: How many branches does Southeastern Ohio Credit Union operate?

Southeastern Ohio 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.

Q: Is a member application needed to join Southeastern Ohio Credit Union?

Yes, to access services at Southeastern Ohio 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.

Q: Is there a first-time homebuyer program?

Currently, Southeastern Ohio 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.

Q: Are credit management and repair services offered?

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

Q: Does Southeastern Ohio Credit Union offer online and mobile banking?

Most modern institutions like Southeastern Ohio 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://southeasternohiocu.org.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 29, 2026

You can compare Southeastern Ohio Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.01%, 6-month share certificate rates at 3.65% and 3-month share certificate rates at 0.20%. Savings rates are at 0.05% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.01%. All these rates can be compared to Southeastern Ohio Credit Union rates. MonitorBankRates evaluates the financial stability of Southeastern Ohio Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.41%. Rates were last updated on 03/29/2026.

Southeastern Ohio 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 Southeastern Ohio Credit Union? Share your experience about Southeastern Ohio Credit Union by leaving a review below, or read customer reviews before you decide to use Southeastern Ohio Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.41%

Excellent Lower than avg

Southeastern Ohio Credit Union
Cambridge Office

115 Market St
Cambridge, OH 43725 8409

https://southeasternohiocu.org

Current Rate Availability

We do not have Southeastern Ohio Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Southeastern Ohio 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 Southeastern Ohio 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 Southeastern Ohio Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southeastern Ohio Credit Union

Website https://southeasternohiocu.org

Address 115 Market St, Cambridge, OH 43725 8409

Phone 740-432-0430

Fax 740-432-0111

President Tammy Clark

CEO Cathy Cline

Full-Time Employees 16

Part-Time Employees 2

Branch Locations 4

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.41%

Return on Assets (ROA)

0.5520%

Return on Equity (ROE)

4.7754%

Non-Performing Loans Ratio (NPL)

1.10%

Total Assets

63,460,052

Total Amount of Shares and Deposits

55,665,124

Total Shares and Deposits < 1 Year

42,068,140

Total Shares and Deposits 1 3 Years

13,596,984

Total Interest Expense (Sum of items 6 8)

774,303

Share Certificates

782

Number of Accounts for Share Drafts

2,500

IRA KEOGH Accounts

122

Number of Accounts for Regular Shares

7,029

All other shares

539

Net Income (unless the amount is already included in Undivided Earnings)

340,751

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

10,342,528

Total Liabilities

56,178,711

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Southeastern Ohio Credit Union

Is Southeastern Ohio Credit Union a safe place to deposit money?

Yes, Southeastern Ohio Credit Union is considered a safe financial institution. With a Texas Ratio of 5.4090221441276%, 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 Southeastern Ohio Credit Union operate?

Southeastern Ohio 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 Southeastern Ohio Credit Union?

Yes, to access services at Southeastern Ohio 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, Southeastern Ohio 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, Southeastern Ohio Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Southeastern Ohio Credit Union offer online and mobile banking?

Most modern institutions like Southeastern Ohio 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://southeasternohiocu.org.