What are the current interest rates at State Police Credit Union?

Current rates for State Police Credit Union include: 12-Month CD: 4.08%, 24-Month CD: 4.18%, 60-Month CD: 4.49%

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State Police Credit Union

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State Police Credit Union Rates & Review October 2026

Q: Is a member application needed to join State Police Credit Union?

Yes, to access services at State Police 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

State Police Credit Union's top rates as of October 9, 2026 are 4.49% APY on its 60 Month CD, 5.25% on its 10 Year First Mortgage, and auto loans from 4.49% APR, according to rates verified by MonitorBankRates. Other State Police Credit Union CD rates include 48 Month CD at 4.44%, 36 Month CD at 4.33%, and 24 Month CD at 4.18%. Other State Police Credit Union mortgage rates include 15 Year First Mortgage at 5.65%, 20 Year First Mortgage at 5.85%, and 30 Year First Mortgage at 6.25%. MonitorBankRates evaluates the financial stability of State Police Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.09%. Rates last updated and verified on 10/09/2026.

State Police 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 Police Credit Union? Share your experience about State Police Credit Union by leaving a review below, or read customer reviews before you decide to use State Police Credit Union.

Ranked #33 Healthiest Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

State Police Credit Union
Main Office

321 Research Pkwy Ste 202
Meriden, CT 06450

https://www.cspcu.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 Police Credit Union CD Rates

Product	Rate	APY	Term
60 Month Certificate	4.40%	4.49%	60 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.34% → 4.49% ▲ 0.15 pts · high 4.49% / low 4.34% Oct 9, 20264.49%▲ from 4.34% Sep 14, 20264.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
48 Month Certificate	4.35%	4.438%	48 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.18% → 4.44% ▲ 0.26 pts · high 4.44% / low 4.18% Oct 9, 20264.44%▲ from 4.18% Sep 14, 20264.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
36 Month Certificate	4.25%	4.334%	36 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.02% → 4.33% ▲ 0.31 pts · high 4.33% / low 4.02% Oct 9, 20264.33%▲ from 4.02% Sep 14, 20264.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
24 Month Certificate	4.10%	4.178%	24 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.92% → 4.18% ▲ 0.26 pts · high 4.18% / low 3.92% Oct 9, 20264.18%▲ from 3.92% Sep 14, 20263.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
12 Month Certificate	4.00%	4.075%	12 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82% Oct 9, 20264.08%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
6 Month Certificate	4.00%	4.075%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.08% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%

State Police Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10 Year First Mortgage	-	0.00%	5.25%	10 Year
Details Amount Financed: Up to 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
15 Year First Mortgage	-	0.00%	5.65%	15 Year
Details Amount Financed: Up to 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
20 Year First Mortgage	-	0.00%	5.85%	20 Year
Details Amount Financed: Up to 75% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.85% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
30 Year First Mortgage	-	0.00%	6.25%	30 Year
Details Amount Financed: Up to 75% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%

State Police Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Second Mortgage	-	-	5.99%	5 to 10 years
Details Second Mortgage; $100,000 Maximum; $5,000 Minimum Loan; Amount Financed: Up to 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
Home Equity Line of Credit	-	-	6.25%	7 year draw period
Details Home Equity Line of Credit; $100,000 Maximum; $5,000 Minimum Loan; Amount Financed: Up to 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%
Home Equity Second Mortgage	-	-	6.50%	10 to 15 years
Details Second Mortgage; $100,000 Maximum; $5,000 Minimum Loan; Amount Financed: Up to 80% LTV Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%

State Police Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Vehicle Loan	-	-	4.49%
Details Additional APR listed for this product: 9.49%. As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.09%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

State Police Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.09% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$84M	0.09%	5.0	A+
March 31, 2026	$83M	0.06%	5.0	A+
December 31, 2025	$81M	0.12%	5.0	A+
September 30, 2025	$79M	0.05%	5.0	A+
June 30, 2025	$79M	0.07%	5.0	A+
March 31, 2025	$80M	0.13%	5.0	A+
December 31, 2024	$78M	0.14%	5.0	A+
September 30, 2024	$76M	0.07%	5.0	A+
June 30, 2024	$79M	0.06%	5.0	A+
March 31, 2024	$79M	0.00%	5.0	A+
December 31, 2023	$79M	0.00%	5.0	A+
September 30, 2023	$78M	0.00%	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 Police 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 Police 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 Police Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name State Police Credit Union

Website https://www.cspcu.org

Address 321 Research Pkwy Ste 202, Meriden, CT 06450

Phone 800-310-7728

Fax 203-237-2119

President Patricia Loso

CEO John Gasiorowski

Full-Time Employees 5

Part-Time Employees 2

Branch Locations 2

ATM Locations 0

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.09%

Return on Assets (ROA)

0.4598%

Return on Equity (ROE)

3.0443%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

84,032,565

Total Amount of Shares and Deposits

70,781,093

Total Shares and Deposits < 1 Year

68,063,832

Total Shares and Deposits 1 3 Years

2,096,513

Total Shares and Deposits > 3 Years

620,748

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

9,186,815

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

9,186,815

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

61,594,278

Total Interest Expense (Sum of items 6 8)

269,700

Share Certificates

253

Number of Accounts for Share Drafts

1,347

IRA KEOGH Accounts

109

Number of Accounts for Regular Shares

2,564

All other shares

867

Money Market Shares

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)

3,614,883

Total Liabilities

71,847,411

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

State Police Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #33 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

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Frequently Asked Questions About State Police Credit Union

How many branches does State Police Credit Union operate?

State Police 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 Police Credit Union?

Yes, to access services at State Police 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 Police 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 Police Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does State Police Credit Union offer online and mobile banking?

Most modern institutions like State Police 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.cspcu.org.