State Employees Credit Union Rates & Review November 2026

Yes. State Employees Credit Union current CD rates include its 13 Month CD of Deposit at 4.10% APY, its 8 Month CD of Deposit at 3.90% APY and its CD of Deposit - 8 month at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.

Yes. State 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.

The highest State Employees Credit Union CD rate is its 13 Month CD of Deposit at 4.10% APY, verified by MonitorBankRates as of October 29, 2026.

State Employees Credit Union CD rates are 3.75% APY for a 5 month CD, 3.90% APY for an 8 month CD, 3.80% APY for a 12 month CD, 4.10% APY for a 13 month CD, 2.00% APY for an 18 month CD, 3.00% APY for a 2 year CD and 1.40% APY for a 5 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 State Employees Credit Union for its full lineup.

The highest State Employees Credit Union savings rate is its Business Savings at 0.35% APY, verified by MonitorBankRates as of October 29, 2026.

The highest State Employees Credit Union money market rate is its Business High-Yield Money Market at 1.60% APY, verified by MonitorBankRates as of October 29, 2026.

The highest State Employees Credit Union checking rate is its Interest-earning business checking at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.

The lowest State Employees Credit Union 30 year fixed mortgage rate is its FHA 30 Year Fixed at 6.75%, verified by MonitorBankRates as of October 29, 2026. State Employees Credit Union mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.25% for a 10 year mortgage, 5.875% for a 5/1 ARM, 6.125% for a 7/1 ARM and 6.25% for a 10/1 ARM.

The lowest State Employees Credit Union personal loan rate is its Signature Loan at 10.24% APR, verified by MonitorBankRates as of October 29, 2026.

State 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.

Yes, to access services at State 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.

Currently, State 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.

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

Most modern institutions like State 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.secumd.org.

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.

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.

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

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.

State Employees Credit Union's top CD rate of 4.10% APY on a 13 month CD is 37% higher than the MonitorBankRates national average for that term, and it has an A health rating. State Employees Credit Union's top rates are its 13 Month CD of Deposit at 4.10% APY, its Business Savings at 0.35% APY, its Business High-Yield Money Market at 1.60% APY, its Interest-earning business checking at 2.00% APY, its 5/1 ARM at 5.875% and its Signature Loan at 10.24% APR, verified by MonitorBankRates on October 29, 2026.