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iAdvertiser Disclosure
Advertiser Disclosure
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 State Employees 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.
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: April 8, 2026
State Employees Credit Union's 9 month CD rates are at 4.00%, 15 month (Traditional/Roth/Educational IRA CDs only) rates are at 3.20%, 9 month Savings CD rates are at 4.00%, 6 month Savings CD rates are at 3.75%, 1 year Savings CD rates are at 3.55%. State Employees Credit Union's savings rates are at 0.10%. State Employees Credit Union's 10 Year Fixed rates are at 5.50%, 15 Year Fixed rates are at 5.62%, 20 Year Fixed rates are at 5.88%, FHA 30 Year Fixed rates are at 5.88%, FHA 30 Year Fixed Mortgage rates are at 5.88%. State Employees Credit Union's Personal Loan Rates are at 4.24%. MonitorBankRates evaluates the financial stability of State Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.38%. Rates were last updated on 04/08/2026. State Employees 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 Credit Union? Share your experience about State Employees Credit Union by leaving a review below, or read customer reviews before you decide to use State Employees Credit Union. State Employees Credit Union
SECU Credit Union 971 Corporate Blvd
https://www.secumd.org Linthicum, MD 21090 2342 
State Employees Credit Union CD Rates
State Employees Credit Union Savings Rates
State Employees Credit Union Checking Rates
State Employees Credit Union Mortgage Rates
State Employees Credit Union Home Equity & HELOC
State Employees Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for State Employees 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 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 Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
State Employees Credit Union
Website
https://www.secumd.org
Address
971 Corporate Blvd,
Linthicum, MD 21090 2342
Phone
410-487-7300
Fax
410-487-7011
President
Gayle Seward
CEO
David Sweiderk
Full-Time Employees
438
Part-Time Employees
19
Branch Locations
24
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.38%
Return on Assets (ROA)
0.4753%
Return on Equity (ROE)
4.6917%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
5,689,365,518
Total Amount of Shares and Deposits
4,734,899,749
Total Shares and Deposits < 1 Year
4,521,440,823
Total Shares and Deposits 1 3 Years
183,626,392
Total Shares and Deposits > 3 Years
29,832,535
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
190,552,691
Total Uninsured Shares and Deposits > $250K (F+J)
190,552,691
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,544,347,058
Total Interest Expense (Sum of items 6 8)
67,854,556
Share Certificates
61,139
Number of Accounts for Share Drafts
194,006
IRA KEOGH Accounts
19,373
Number of Accounts for Regular Shares
314,281
All other shares
11,226
Money Market Shares
25,379
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
262,126,661
Total Liabilities
5,166,886,443
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About State Employees Credit UnionIs State Employees Credit Union a safe place to deposit money?Yes, State Employees Credit Union is considered a safe financial institution. With a Texas Ratio of 5.3792058609685%, 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 Credit Union operate?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. Is a member application needed to join State Employees Credit Union?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. Is there a first-time homebuyer program?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. Are credit management and repair services offered?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. Does State Employees Credit Union offer online and mobile banking?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. Current State Employees Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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