State Employees Credit Union Rates and Review March 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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State Employees Credit Union's 6 Month CD rates are at 5.00%, 6 Month CD Bonus rates are at 5.00%, CDs 6 Month Bonus rates are at 5.00%, 6 Month CD rates are at 4.50%, 6 Month CDs rates are at 4.50%. State Employees Credit Union's savings rates are at 0.15%. State Employees Credit Union's money market rates are at 0.05%. State Employees Credit Union's First Mortgage Loans rates are at 5.50%, First Mortgage Loans 15 year (fixed) rates are at 5.50%. MonitorBankRates evaluates the financial stability of State Employees Credit Union with a 3.8 Star Rating, an C Overall Health Grade, and a Texas Ratio of 29.00%. Rates were last updated on 03/05/2026.
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 by leaving a review below, or read customer reviews before you decide to use . State Employees Credit Union Texas RatioState Employees Credit Union's Texas Ratio is at 29.00%, which is considered good. The Texas Ratio for State Employees Credit Union is higher than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This suggests that while State Employees Credit Union has some non-performing assets, it maintains sufficient capital reserves to handle potential losses. MonitorBankRates Rating
3.8
Very Good
Out of 5.0 Stars
State Employees Credit Union has earned a Smart Rating of 3.8 out of 5 stars. 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. Overall, State Employees Credit Union is a good credit union worth considering, with an overall rating of 3.8 stars out of 5 stars. Overall Health & Safety Grade
C
Average Health
Score: 74/100
State Employees Credit Union has earned an overall safety grade of C. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/05/2026
State Employees Credit Union
Corporate Office 1611 Calle Lorca
Santa Fe, NM 87505 
State Employees Credit Union CD Rates
State Employees Credit Union Savings Rates
State Employees Credit Union Money Market Rates
State Employees Credit Union Mortgage Rates
State Employees Credit Union Home Equity & HELOC
State Employees Credit Union Credit Card 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 & OverviewCredit Union Name: State Employees Credit Union
Website: https://www.secunm.org
Full Time Employees: 190Part Time Employees: 5 President: Jerry Rael CEO: Andy Ramos Branch Locations: 7 ATM Locations: 7 Corporate Office Address:
1611 Calle Lorca
Santa Fe, NM 87505 Phone Number: 800-983-7328 Fax Number: FinancialsMonitorBankRates Star Rating:
3.8 / 5.0 ★
Overall Health & Safety Grade:
C (74/100)
Texas Ratio:
29.00%
Return on Assets (ROA):
0.8618%
Return on Equity (ROE):
8.2018%
Non-Performing Loans Ratio (NPL):
4.50%
Total Assets:
1,303,730,732
Total Amount of Shares and Deposits:
1,160,659,339
Total Shares and Deposits < 1 Year:
1,134,885,958
Total Shares and Deposits 1 3 Years:
19,926,036
Total Shares and Deposits > 3 Years:
5,847,346
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
43,066,326
Total Uninsured Shares and Deposits > $250K (F+J):
43,066,326
Total Insured Shares and Deposits > $250K (item 17 less item K):
1,117,593,013
Total Interest Expense (Sum of items 6 8):
14,516,820
Share Certificates:
6,985
Number of Accounts for Share Drafts:
41,627
IRA KEOGH Accounts:
1,463
Number of Accounts for Regular Shares:
61,088
All other shares:
13,133
Non Member Deposits:
2,926
Money Market Shares:
1,825
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
258,047,539
Total Liabilities:
1,177,309,903
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsWABy
December 17, 2025
DzSD
Add Your Rating and Review for State Employees Credit Union
Frequently Asked Questions About State Employees Credit UnionIs a member application needed to join State Employees Credit Union?Yes, to access services at State Employees Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, State Employees Credit Union provides a range of mortgage and home equity products. Is State Employees Credit Union a safe place to deposit money?Yes, State Employees Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does State Employees Credit Union offer online and mobile banking?Most modern institutions like State Employees Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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