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iAdvertiser Disclosure
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State Employees Community Credit Union Rates & Review April 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: April 14, 2026
You can compare State Employees Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.60%, 6-month share certificate rates at 3.70% and 3-month share certificate rates at 0.66%. Savings rates are at 0.30% and money market rates are at 2.53%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to State Employees Community Credit Union rates. MonitorBankRates evaluates the financial stability of State Employees Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.62%. Rates were last updated on 04/14/2026. State Employees Community 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 State Employees Community Credit Union? Share your experience about State Employees Community Credit Union by leaving a review below, or read customer reviews before you decide to use State Employees Community Credit Union. State Employees Community Credit Union
4500 College Avenue 4500 College Ave Ste 200
Alton, IL 62002 5013 
Current Rate AvailabilityWe do not have State Employees Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates. Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for State Employees Community 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 State Employees Community 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 State Employees Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
State Employees Community Credit Union
Address
4500 College Ave Ste 200,
Alton, IL 62002 5013
Phone
618-462-5229
Fax
618-465-5143
President
Melissa Bock
CEO
SAMANTHA HARVEY
Full-Time Employees
3
Part-Time Employees
0
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+ (100/100)
Texas Ratio
0.62%
Return on Assets (ROA)
0.1270%
Return on Equity (ROE)
0.6606%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
6,547,608
Total Amount of Shares and Deposits
5,277,501
Total Shares and Deposits < 1 Year
5,037,837
Total Shares and Deposits 1 3 Years
113,112
Total Shares and Deposits > 3 Years
126,551
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
55,073
Total Uninsured Shares and Deposits > $250K (F+J)
55,073
Total Insured Shares and Deposits > $250K (item 17 less item K)
5,222,428
Total Interest Expense (Sum of items 6 8)
23,368
Share Certificates
10
Number of Accounts for Share Drafts
420
Number of Accounts for Regular Shares
993
All other shares
88
Net Income (unless the amount is already included in Undivided Earnings)
8,316
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,379,870
Total Liabilities
5,288,833
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About State Employees Community Credit UnionIs State Employees Community Credit Union a safe place to deposit money?Yes, State Employees Community Credit Union is considered a safe financial institution. With a Texas Ratio of 0.62186119432824%, 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 State Employees Community Credit Union operate?State Employees Community 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 State Employees Community Credit Union?Yes, to access services at State Employees Community 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, State Employees Community 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, State Employees Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does State Employees Community Credit Union offer online and mobile banking?Most modern institutions like State Employees Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. Compare to Other Credit Unions
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