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State Employees Credit Union

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State Employees Credit Union Rates & Review November 2026

Q: What are the current interest rates at State Employees Credit Union?

Current rates for State Employees Credit Union include: 12-Month CD: 0.30%, 24-Month CD: 2.12%, 60-Month CD: 2.42%, Savings: 0.15%, MMA: 3.00%

Q: What CD terms does State Employees Credit Union offer?

State Employees Credit Union CD rates are 4.50% APY for a 6 month CD, 3.58% APY for a 12 month CD, 2.12% APY for a 2 year CD and 2.42% 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

State Employees Credit Union's CD 6 Month rates are at 4.50%, 6 Month CD - Bonus Rate rates are at 3.64%, CDs - 6 Month - Bonus Rate rates are at 3.60%, 12 Month CD - Bonus Rate rates are at 3.58%, CDs - 12 Month - Bonus Rate rates are at 3.55%. State Employees Credit Union's savings rates are at 0.15%. State Employees Credit Union's money market rates are at 3.00%. State Employees Credit Union's checking rates are as high as 1.55%. State Employees Credit Union's 5/5 Adjustable Rate Mortgage rates are at 6.00%, 5/5 Adjustable Rate Mortgage - 30 year rates are at 6.00%, First Mortgage Loans - 15 year (fixed) rates are at 6.50%, Home Mortgage Loans rates are at 7.13%. State Employees Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.99%. State Employees Credit Union's Credit Card Rates are at 7.50%. State Employees Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has a C+ health rating. MonitorBankRates evaluates the financial stability of State Employees Credit Union with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.01%. Rates last updated and verified on 10/29/2026.

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.

Overall Health & Safety Grade

C+

Fair Health Score: 78/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

26.01%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

State Employees Credit Union
Corporate Office

1611 Calle Lorca
Santa Fe, NM 87505

https://www.secunm.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

State Employees Credit Union CD Rates

Product	Rate	APY	Term
Share Certificate 6 Month	4.426%	4.50%	6 Month
Min Balance $1,000 Details Bonus Rate: 5.00% (Share Certificate Rate Bonus Conditions apply); Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 1.51% → 4.50% ▲ 2.99 pts · high 4.50% / low 1.51% Oct 29, 20264.50%▲ from 1.51% Oct 26, 20261.51%▼ from 3.14% Oct 13, 20263.14%▲ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
6 Month Share Certificate - Bonus Rate	-	3.64%	6 Month
Min Balance $1,000 Details Relationship bonus rate (Bonus Rate APY with up to 5 membership rate bonuses at 0.10% each); Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.60% → 3.64% ▲ 0.04 pts · high 3.64% / low 3.60% Oct 26, 20263.64%▲ from 3.60% Oct 13, 20263.60%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 6 Month - Bonus Rate	3.60%	3.60%	6 Month
Min Balance $1,000 Details Relationship bonus rate (requires membership rate bonus conditions, up to 0.10% each); Early withdrawal penalty: 90 Days Interest Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.60% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
12 Month Share Certificate - Bonus Rate	-	3.58%	12 Month
Min Balance $500 Details Relationship bonus rate (Bonus Rate APY with up to 5 membership rate bonuses at 0.10% each); Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.58% ▲ 0.03 pts · high 3.58% / low 3.55% Oct 26, 20263.58%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 12 Month - Bonus Rate	3.55%	3.55%	12 Month
Min Balance $500 Details Relationship bonus rate (requires membership rate bonus conditions, up to 0.10% each); Early withdrawal penalty: 90 Days Interest Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificate 12 Month	3.21%	3.25%	12 Month
Min Balance $500 Details Bonus Rate: 3.75% (Share Certificate Rate Bonus Conditions apply); Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 1.66% → 3.25% ▲ 1.59 pts · high 3.25% / low 1.66% Oct 29, 20263.25%▲ from 1.66% Oct 26, 20261.66%▼ from 3.08% Oct 13, 20263.08%▲ from 1.66% Sep 14, 20261.66%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 24 Month - Bonus Rate	3.25%	3.25%	24 Month
Min Balance $1,000 Details Relationship bonus rate (requires membership rate bonus conditions, up to 0.10% each); Early withdrawal penalty: 180 Days Interest Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
6 Month Share Certificate	3.10%	3.14%	6 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.51% → 3.14% ▲ 1.63 pts · high 3.14% / low 1.51% Sep 18, 20263.14%▲ from 1.51% Sep 14, 20261.51%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
60 Month Share Certificate - Bonus Rate	-	3.10%	60 Month
Min Balance $1,000 Details Relationship bonus rate (Bonus Rate APY with up to 5 membership rate bonuses at 0.10% each); Early Withdrawal Penalty: 270 Days Interest; Quarterly Dividends; Rising Rate Option available Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.10% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificate 60 Month	3.06%	3.10%	60 Month
Min Balance $1,000 Details Bonus Rate: 3.60% (Share Certificate Rate Bonus Conditions apply); Early Withdrawal Penalty: 270 Days Interest; Quarterly Dividends; Rising Rate option available Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 2.42% → 3.10% ▲ 0.68 pts · high 3.10% / low 2.42% Oct 29, 20263.10%▲ from 2.42% Oct 26, 20262.42%▼ from 2.60% Oct 13, 20262.60%▲ from 2.42% Sep 14, 20262.42%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
12 Month Share Certificate	3.05%	3.08%	12 Month
Min Balance $500 Details Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 1.66% → 3.08% ▲ 1.42 pts · high 3.08% / low 1.66% Sep 18, 20263.08%▲ from 1.66% Sep 14, 20261.66%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 36 Month - Bonus Rate	3.07%	3.07%	36 Month
Min Balance $1,000 Details Relationship bonus rate (requires membership rate bonus conditions, up to 0.10% each); Early withdrawal penalty: 180 Days Interest Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.07% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 7 Month	3.00%	3.03%	7 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.03% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificate 48 Month	2.97%	3.00%	48 Month
Min Balance $1,000 Details Bonus Rate: 3.50% (Share Certificate Rate Bonus Conditions apply); Early Withdrawal Penalty: 270 Days Interest; Quarterly Dividends; Rising Rate option available Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 2.32% → 3.00% ▲ 0.68 pts · high 3.00% / low 2.32% Oct 29, 20263.00%▲ from 2.32% Oct 26, 20262.32%▼ from 2.37% Oct 13, 20262.37%▲ from 2.32% Sep 14, 20262.32%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificate 36 Month	2.87%	2.90%	36 Month
Min Balance $1,000 Details Bonus Rate: 3.40% (Share Certificate Rate Bonus Conditions apply); Early Withdrawal Penalty: 180 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 2.22% → 2.90% ▲ 0.68 pts · high 2.90% / low 2.22% Oct 29, 20262.90%▲ from 2.22% Oct 26, 20262.22%▼ from 2.57% Oct 13, 20262.57%▲ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 48 Month - Bonus Rate	2.87%	2.87%	48 Month
Min Balance $1,000 Details Relationship bonus rate (requires membership rate bonus conditions, up to 0.10% each); Early withdrawal penalty: 270 Days Interest; Rising Rate Option available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.87% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
24 Month Share Certificate	2.72%	2.75%	24 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.12% → 2.75% ▲ 0.63 pts · high 2.75% / low 2.12% Sep 18, 20262.75%▲ from 2.12% Sep 14, 20262.12%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
60 Month Share Certificate	2.57%	2.60%	60 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days Interest; Quarterly Dividends; Rising Rate Option available Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.42% → 2.60% ▲ 0.18 pts · high 2.60% / low 2.42% Sep 18, 20262.60%▲ from 2.42% Sep 14, 20262.42%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
36 Month Share Certificate	2.55%	2.57%	36 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.22% → 2.57% ▲ 0.35 pts · high 2.57% / low 2.22% Sep 18, 20262.57%▲ from 2.22% Sep 14, 20262.22%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 60 Month	2.40%	2.42%	60 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days Interest; Quarterly Dividends; Rising Rate option available Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 2.42% ▼ 0.68 pts · high 3.10% / low 2.42% Oct 19, 20262.42%▼ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
48 Month Share Certificate	2.35%	2.37%	48 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days Interest; Quarterly Dividends; Rising Rate Option available Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.32% → 2.37% ▲ 0.05 pts · high 2.37% / low 2.32% Sep 18, 20262.37%▲ from 2.32% Sep 14, 20262.32%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 48 Month	2.30%	2.32%	48 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 270 Days Interest; Quarterly Dividends; Rising Rate option available Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 2.32% ▼ 0.68 pts · high 3.00% / low 2.32% Oct 19, 20262.32%▼ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 36 Month	2.20%	2.22%	36 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 2.90% → 2.22% ▼ 0.68 pts · high 2.90% / low 2.22% Oct 19, 20262.22%▼ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 24 Month	2.10%	2.12%	24 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 180 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.12% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 15 Month	2.00%	2.02%	15 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 12 Month	1.65%	1.66%	12 Month
Min Balance $500 Details Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 1.66% ▼ 1.59 pts · high 3.25% / low 1.66% Oct 19, 20261.66%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 6 Month	1.50%	1.51%	6 Month
Min Balance $1,000 Details Early Withdrawal Penalty: 90 Days Interest; Quarterly Dividends Last Updated 10/29/2026 Rate History 3 changes since Sep 14, 2026 · 4.50% → 1.51% ▼ 2.99 pts · high 4.50% / low 1.51% Oct 19, 20261.51%▼ from 4.50% Oct 13, 20264.50%▲ from 3.14% Oct 9, 20263.14%▼ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
12 month Certificate Builder	0.30%	0.30%	12 months
Min Deposit $25 Min Balance $25 Details Minimum $25 deposit per pay period until balance reaches $500, then converts to a 12-month share certificate; early withdrawals subject to $10 fee Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Savings Rates

Product	Rate	APY
Club Accounts	0.15%	0.15%
Min Deposit $0 Min Balance $300 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Member Savings	0.15%	0.15%
Min Deposit $5 Min Balance $300 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Special Savings	0.15%	0.15%
Min Deposit $0 Min Balance $300 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Money Market Rates

Product	Rate	APY
Advantage+ Money Market - Bonus Rate	-	3.00%
Min Balance $100,000 Details Balance: $100,000 minimum balance; Bonus Rate APY includes membership rate bonus conditions of +0.10% each (5 total): Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market - Relationship Bonus Rate	-	3.00%
Min Balance $100,000 Details Balance: $100,000 minimum balance; 3.00% APY includes relationship rate bonus conditions at 0.10% each, 5 total (Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage); Rates effective 12/1/2024 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market - With Relationship Bonuses	-	3.00%
Min Balance $100,000 Details 3.00% APY includes relationship rate bonus conditions at 0.10% each, 5 total: Active Checking Account +0.10%; Full Direct Deposit +0.10%; Active SECU Credit Card +0.10%; Active Consumer Loan +0.10%; Current Mortgage +0.10% Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 3.00% APY Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market	2.45%	2.50%
Min Balance $100,000 Details Balance: $100,000 minimum balance Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50% Sep 22, 20262.50%▼ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market Account	2.50%	2.50%
Min Balance $500,000 Details Balance: $500,000 and above Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 0.45% → 2.50% ▲ 2.05 pts · high 2.50% / low 0.45% Oct 26, 20262.50%▲ from 0.45% Oct 19, 20260.45%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Rising Rate Money Market	2.50%	2.50%
Min Balance $500,000 Details Balance: $500,000 and above Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.50% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market	2.25%	2.25%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 9 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Rising Rate Money Market	2.25%	2.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.25% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market	2.00%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 9 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Rising Rate Money Market	2.00%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 2.00% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market	1.75%	1.75%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 9 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Rising Rate Money Market	1.75%	1.75%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 1.75% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 and above Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.45% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market Account	0.45%	0.45%
Min Balance $500,000 Details Balance: $500,000 and above Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.45% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market Account	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market Account	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Rising Rate Money Market Account	0.30%	0.30%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market Account	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.20% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Rising Rate Money Market Account	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.20% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 9 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Rising Rate Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.15% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Market Account	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Rising Rate Money Market Account	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.10% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.50%	2.50%
Min Balance $500,000 Details Balance: $500,000 and above Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Market	2.25%	2.25%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Market	2.00%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Market	1.75%	1.75%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	1.53%	1.55%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $50,000.00; Qualifying balance up to $50,000.00 Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 1.55% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Kasasa Cash Checking	1.10%	1.10%
Details Qualifications Required: 1 direct deposit or ACH debit transaction; 10 debit card purchases; eStatements enrollment; online banking enrollment and login; Balances up to $50,000 earn 1.10% APY; balances over $50,000 earn 0.30% (1.10% to 0.57% APY); 0.05% if qualifications are not met Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 0.05% → 1.10% ▲ 1.05 pts · high 1.55% / low 0.05% Oct 13, 20261.10%▼ from 1.55% Sep 18, 20261.55%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
5/5 Adjustable Rate Mortgage	6.00%	-	6.00%	30 year
Details As Low As; Maximum amount financed: 90% loan-to-value and 95% combined loan-to-value; Lifetime adjustment cap: 5.00% above initial rate; Minimum loan $10,000; Rate fixed for 5 years, then may adjust once every 5 years Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.00% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
5/5 Adjustable Rate Mortgage - 30 year	6.00%	-	6.00%	30 year
Details As Low As; Maximum amount financed: 90% loan-to-value and 95% combined loan-to-value; Lifetime adjustment cap: 5.00% above initial rate; Minimum loan $10,000; Rate fixed for 5 years, then may adjust once every 5 years Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.00% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
First Mortgage Loans - 15 year (fixed)	6.50%	-	6.669%	15 year
Details Maximum amount financed: 80% loan to value Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.67% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Home Mortgage Loans	7.13%	-	7.386%	10 year - fixed
Details Maximum Amount Financed: 80% combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.39% APR · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Home Mortgage Loans	7.38%	-	7.637%	10 year - fixed
Details Maximum Amount Financed: 90% combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.64% APR · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Home Mortgage Loans	7.88%	-	8.032%	20 year
Details Term: 20 year - 10 year call; Maximum Amount Financed: 80% combined loan to value Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.03% APR · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	6.75%	-	6.76%	30 year
Details Term: 30 year (10 year draw); Maximum amount financed: 80% combined loan to value; Rate is variable; Floor rate of 6.00%; Document preparation fee of $200.00; Interest only payment during 10-year draw Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.76% APR · checked 11 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Vehicle (2023 - 2027)	5.39%	-	5.39%	66 Month
Details As Low As; Interest Rate APR (As Low As) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.39% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Auto Loan - New Vehicle	5.49%	-	5.49%	75 Month
Details over $15,000; As Low As; Interest Rate APR (As Low As) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Auto Loans - New Vehicle	-	-	5.49%	75 Month
Details over $15,000; As Low As; Interest Rate APR (As Low As); Cost over $15,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.49% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Auto Loan - New Vehicle	6.29%	-	6.29%	84 Month
Details over $25,000; As Low As; Interest Rate APR (As Low As) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.29% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Auto Loans - New Vehicle	-	-	6.29%	84 Month
Details over $25,000; As Low As; Interest Rate APR (As Low As); Cost over $25,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.29% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Auto Loan - Used Vehicle Max Mileage 65K (2019-2022)	6.43%	-	6.43%	84 month
Details As Low As; Interest Rate APR (As Low As) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.43% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Auto Loans - Used Vehicle Max Mileage 65K (2019-2022)	-	-	6.43%	84 month
Details As Low As; Interest Rate APR (As Low As); Max mileage 65K Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.43% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Auto Loan - Used Vehicle (2018 and older)	6.63%	-	6.63%	75 Month
Details As Low As; Interest Rate APR (As Low As) Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.63% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Auto Loans - Used Vehicle (2018 and older)	-	-	6.63%	75 Month
Details As Low As; Interest Rate APR (As Low As); Used vehicle Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.63% APR · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle & Power Sport Loans - New Motorcycles & Dirt Bikes (2025 - 2027)	-	6.99%	84 Month
Details As Low As; APR (Annual Percentage Rate) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Motorcycle & Power Sport Loans - New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2025-2027)	-	6.99%	84 Month
Details As Low As; APR (Annual Percentage Rate) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
New Motorcycles & Dirt Bikes (2025 - 2027) Loan	-	6.99%	84 Month
Details As Low As; Motorcycle and Power Sport Loans Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
New Motorcycles & Dirt Bikes Loan	-	6.99%	84 Month
Details As Low As; Model Years: 2025 - 2027; Max Term: 84 Month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2025-2027) Loan	-	6.99%	84 Month
Details As Low As; Motorcycle and Power Sport Loans Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles Loan	-	6.99%	84 Month
Details As Low As; Model Years: 2025-2027; Max Term: 84 Month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Motorcycle & Power Sport Loans - Used Motorcycles & Dirt Bikes (2002 - 2024)	-	7.13%	84 Month
Details As Low As; APR (Annual Percentage Rate) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.13% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Used Motorcycles & Dirt Bikes (2002 - 2024) Loan	-	7.13%	84 Month
Details As Low As; Motorcycle and Power Sport Loans Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.13% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Used Motorcycles & Dirt Bikes Loan	-	7.13%	84 Month
Details As Low As; Model Years: 2002 - 2024; Max Term: 84 Month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.13% APR · checked 8 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Motorcycle & Power Sport Loans - Used Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2016-2024)	-	7.59%	72 Month
Details As Low As; APR (Annual Percentage Rate) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.59% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Used Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2016-2024) Loan	-	7.59%	72 Month
Details As Low As; Motorcycle and Power Sport Loans Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.59% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Used Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles Loan	-	7.59%	72 Month
Details As Low As; Model Years: 2016-2024; Max Term: 72 Month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.59% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
New RV/Travel and Utility Trailer Loans	-	8.49%	180 Month
Details As Low As; Model Years: 2025 - 2027; Cost over $40,000; Max Term: 180 Month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Used RV/Travel and Utility Trailer Loans	-	8.99%	144 Month
Details As Low As; Model Years: 2016 - 2024; Max Term: 144 Month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	7.50%
Details Non-variable Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Visa Gold	-	9.25%
Details Non-variable Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Visa Classic	-	12.50%
Details Non-variable Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.50% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Personal Loan Rates

Product	APR	Term
Motorcycle & Power Sport Loans - New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2025-2027)	6.99%	84 Month
Details As Low As; APR (Annual Percentage Rate) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2025-2027) Loan	6.99%	84 Month
Details As Low As; Motorcycle and Power Sport Loans Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.99% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles Loan	6.99%	84 Month
Details As Low As; Model Years: 2025-2027; Max Term: 84 Month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Motorcycle & Power Sport Loans - Used Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2016-2024)	7.59%	72 Month
Details As Low As; APR (Annual Percentage Rate) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.59% APR · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Used Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2016-2024) Loan	7.59%	72 Month
Details As Low As; Motorcycle and Power Sport Loans Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.59% APR · checked 5 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Used Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles Loan	7.59%	72 Month
Details As Low As; Model Years: 2016-2024; Max Term: 72 Month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.59% APR · checked 7 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Signature Loans	10.74%	36 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Unsecured Loans - Line of Credit	10.74%	Revolving
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.74% APR · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Unsecured Loans - Signature Loans	10.74%	36 Month
No additional details. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.74% APR · checked 3 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

State Employees Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	10.74%	Revolving
Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Second Mortgage Loan	7.88%	-	8.032%	20 year
Details Term: 20 year - 10 year call; Maximum amount financed: 80% combined loan to value; APR based on $50,000, 1% loan origination fee, $50 doc prep fee, $19 flood certification fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.03% APR · checked 11 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Second Mortgage Loan	7.38%	-	7.637%	10 year - fixed
Details Maximum amount financed: 90% combined loan to value; APR based on $50,000, 1% loan origination fee, $50 doc prep fee, $19 flood certification fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.64% APR · checked 11 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Second Mortgage Loan	7.13%	-	7.386%	10 year - fixed
Details Maximum amount financed: 80% combined loan to value; APR based on $50,000, 1% loan origination fee, $50 doc prep fee, $19 flood certification fee Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.39% APR · checked 11 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Advantage+ Money Market - Bonus Rate	3.00%	-	3.00%
Min Balance $100,000 Details Balance: $100,000 minimum balance; Bonus rate conditions: Active Checking Account +0.10%; Full Direct Deposit +0.10%; Active SECU Credit Card +0.10%; Active Consumer Loan +0.10%; Current Mortgage +0.10% Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.00% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Manager	0.10%	-	0.10%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Manager	0.20%	-	0.20%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.20% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Manager	0.30%	-	0.30%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Manager	0.35%	-	0.35%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.35% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Business Money Manager	0.45%	-	0.45%
Min Balance $500,000 Details Balance: $500,000 and above Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.45% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Manager	0.10%	-	0.10%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Manager	0.15%	-	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.15% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Manager	0.20%	-	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.20% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Money Manager	0.30%	-	0.30%
Min Balance $50,000 Details Balance: Over $50,000 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.30% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Roth IRA	0.40%	-	0.40%
Min Balance $0 Details Individual Retirement Accounts Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.40% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Share Certificates - 60 Month - Bonus Rate	3.10%	-	3.10%	60 Month
Min Balance $1,000 Details Relationship bonus rate (requires membership rate bonus conditions, up to 0.10% each); Early withdrawal penalty: 270 Days Interest; Rising Rate Option available Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.10% APY · checked 2 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Traditional IRA	0.40%	-	0.40%
Min Balance $0 Details Individual Retirement Accounts Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.40% APY · checked 4 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%
Uniform Gift to Minor Account	0.15%	-	0.15%
Min Deposit $0 Min Balance $300 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.01%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

State Employees Credit Union’s Texas Ratio rose from 3.28% in Q3 2023 to 26.01% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.1 and its Health Grade from A+ to C+. 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	26.01%	4.1	C+
March 31, 2026	$1.3B	28.61%	3.9	C
December 31, 2025	$1.3B	29.87%	3.8	C-
September 30, 2025	$1.3B	26.10%	4.1	C+
June 30, 2025	$1.3B	21.79%	4.4	B
March 31, 2025	$1.3B	12.27%	5.0	A
December 31, 2024	$1.3B	9.60%	5.0	A
September 30, 2024	$1.2B	8.33%	5.0	A
June 30, 2024	$1.2B	8.19%	5.0	A
March 31, 2024	$1.1B	8.68%	5.0	A
December 31, 2023	$1.2B	3.67%	5.0	A+
September 30, 2023	$1.1B	3.28%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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.secunm.org

Address 1611 Calle Lorca, Santa Fe, NM 87505

Phone 800-983-7328

Fax

President Jerry Rael

CEO Andy Ramos

Full-Time Employees 209

Part-Time Employees 3

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.1 / 5.0 ★

Overall Health & Safety Grade

C+ (78/100)

Texas Ratio

26.01%

Return on Assets (ROA)

0.4569%

Return on Equity (ROE)

4.0146%

Non-Performing Loans Ratio (NPL)

4.46%

Total Assets

1,288,284,749

Total Amount of Shares and Deposits

1,137,853,691

Total Shares and Deposits < 1 Year

1,121,965,753

Total Shares and Deposits 1 3 Years

11,672,961

Total Shares and Deposits > 3 Years

4,214,977

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

53,311,799

Total Uninsured Shares and Deposits > $250K (F+J)

53,311,799

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,084,541,892

Total Interest Expense (Sum of items 6 8)

8,233,718

Share Certificates

1,601

Number of Accounts for Share Drafts

42,489

IRA KEOGH Accounts

1,403

Number of Accounts for Regular Shares

58,608

All other shares

5,468

Non Member Deposits

2,926

Money Market Shares

2,014

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)

193,159,676

Total Liabilities

1,148,815,026

Source: NCUA — Last Updated 06/30/2026

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About State Employees Credit Union

Does State Employees Credit Union offer CDs?

Yes. State Employees Credit Union current CD rates include its CD 6 Month at 4.50% APY, its 6 Month CD - Bonus Rate at 3.64% APY and its CDs - 6 Month - Bonus Rate at 3.60% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from State Employees Credit Union NCUA insured?

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.

What is the highest CD rate at State Employees Credit Union?

The highest State Employees Credit Union CD rate is its CD 6 Month at 4.50% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does State Employees Credit Union offer?

State Employees Credit Union CD rates are 4.50% APY for a 6 month CD, 3.58% APY for a 12 month CD, 2.12% APY for a 2 year CD and 2.42% 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.

What is the highest savings rate at State Employees Credit Union?

The highest State Employees Credit Union savings rate is its Member Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at State Employees Credit Union?

The highest State Employees Credit Union money market rate is its Advantage+ Money Market - Bonus Rate at 3.00% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at State Employees Credit Union?

The highest State Employees Credit Union checking rate is its Kasasa Cash Checking at 1.55% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest mortgage rate at State Employees Credit Union?

The lowest State Employees Credit Union mortgage rate is its 5/5 Adjustable Rate Mortgage at 6.00%, verified by MonitorBankRates as of October 29, 2026. State Employees Credit Union mortgage rates are 6.00% for a 30 year mortgage and 6.50% for a 15 year mortgage.

What is the lowest auto loan rate at State Employees Credit Union?

The lowest State Employees Credit Union auto loan rate is its Auto Loan - New Vehicle (2023 - 2027) at 5.39%, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at State Employees Credit Union?

The lowest State Employees Credit Union personal loan rate is its Motorcycle & Power Sport Loans - New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2025-2027) at 6.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at State Employees Credit Union?

The lowest State Employees Credit Union credit card APR is its Visa Platinum Credit Card at 7.50% APR, verified by MonitorBankRates as of October 29, 2026.

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.secunm.org.

Are all CD rates listed on MonitorBankRates federally insured?

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.

I want to open a CD with an institution listed on MonitorBankRates. How do I 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.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

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

Why are some CD offers not available for me to open?

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.

How do State Employees Credit Union rates compare?

State Employees Credit Union's CD rates are 19% higher than the MonitorBankRates national average, and it has a C+ health rating. State Employees Credit Union's top rates are its CD 6 Month at 4.50% APY, its Member Savings at 0.15% APY, its Advantage+ Money Market - Bonus Rate at 3.00% APY, its Kasasa Cash Checking at 1.55% APY, its 5/5 Adjustable Rate Mortgage at 6.00%, its Motorcycle & Power Sport Loans - New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2025-2027) at 6.99% APR and its Visa Platinum Credit Card at 7.50% APR, verified by MonitorBankRates on October 29, 2026.

Current State Employees Credit Union Rates

12-Month CD0.30%
24-Month CD2.12%
60-Month CD2.42%
Savings0.15%
MMA3.00%

Retrieved from our database of financial products. Rates subject to change.

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State Employees Credit Union Rates & Review November 2026

Brian McKay

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State Employees Credit Union CD Rates

State Employees Credit Union Savings Rates

State Employees Credit Union Money Market Rates

State Employees Credit Union Business Money Market Rates

State Employees Credit Union Checking Rates

State Employees Credit Union Mortgage Rates

State Employees Credit Union Home Equity & HELOC

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State Employees Credit Union RV, Boat and Powersport Loan Rates

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State Employees Credit Union Personal Loan Rates

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Frequently Asked Questions About State Employees Credit Union

Does State Employees Credit Union offer CDs?

Are CDs from State Employees Credit Union NCUA insured?

What is the highest CD rate at State Employees Credit Union?

What CD terms does State Employees Credit Union offer?

What is the highest savings rate at State Employees Credit Union?

What is the highest money market rate at State Employees Credit Union?

What is the highest checking rate at State Employees Credit Union?

What is the lowest mortgage rate at State Employees Credit Union?

What is the lowest auto loan rate at State Employees Credit Union?

What is the lowest personal loan rate at State Employees Credit Union?

What is the lowest credit card APR at State Employees Credit Union?

How many branches does State Employees Credit Union operate?

Is a member application needed to join State Employees Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does State Employees Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do State Employees Credit Union rates compare?

Current State Employees Credit Union Rates

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