|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Southeast Michigan State Employees Federal 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 4, 2026
Southeast Michigan State Employees Federal Credit Union's 60 Month CDs rates are at 3.54%, IRA CDs 60 Month rates are at 3.54%, 48 Month CDs rates are at 3.27%, IRA CDs 48 Month rates are at 3.27%, Jumbo CDs 24 Month rates are at 3.27%. Southeast Michigan State Employees Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Southeast Michigan State Employees Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.26%. Rates were last updated on 04/04/2026. Southeast Michigan State Employees Federal 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 Southeast Michigan State Employees Federal Credit Union? Share your experience about Southeast Michigan State Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Southeast Michigan State Employees Federal Credit Union. Southeast Michigan State Employees Federal Credit Union
Southeast Michigan State Employees Federal Credit Union 6230 Orchard Lake Rd
https://www.smsefcu.com West Bloomfield, MI 48322 
Southeast Michigan State Employees Federal Credit Union CD Rates
Southeast Michigan State Employees Federal Credit Union Savings Rates
Southeast Michigan State Employees Federal Credit Union Auto Loan Rates
Southeast Michigan State Employees Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southeast Michigan State Employees Federal 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 Southeast Michigan State Employees Federal 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 Southeast Michigan State Employees Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southeast Michigan State Employees Federal Credit Union
Website
https://www.smsefcu.com
Address
6230 Orchard Lake Rd,
West Bloomfield, MI 48322
Phone
248-557-2266
Fax
248-557-0453
President
Robert Andrews
CEO
Danielle Goss
Full-Time Employees
12
Part-Time Employees
1
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.26%
Return on Assets (ROA)
1.0242%
Return on Equity (ROE)
8.8526%
Non-Performing Loans Ratio (NPL)
1.58%
Total Assets
50,817,142
Total Amount of Shares and Deposits
45,118,406
Total Shares and Deposits < 1 Year
44,545,299
Total Shares and Deposits 1 3 Years
567,623
Total Shares and Deposits > 3 Years
5,484
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,896,742
Total Uninsured Shares and Deposits > $250K (F+J)
1,896,742
Total Insured Shares and Deposits > $250K (item 17 less item K)
43,221,664
Total Interest Expense (Sum of items 6 8)
140,678
Share Certificates
91
Number of Accounts for Share Drafts
1,909
IRA KEOGH Accounts
49
Number of Accounts for Regular Shares
3,811
Money Market Shares
194
Net Income (unless the amount is already included in Undivided Earnings)
520,466
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,526,880
Total Liabilities
45,388,635
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southeast Michigan State Employees Federal Credit UnionIs Southeast Michigan State Employees Federal Credit Union a safe place to deposit money?Yes, Southeast Michigan State Employees Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2572908835466%, 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 Southeast Michigan State Employees Federal Credit Union operate?Southeast Michigan State Employees Federal 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 Southeast Michigan State Employees Federal Credit Union?Yes, to access services at Southeast Michigan State Employees Federal 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, Southeast Michigan State Employees Federal 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, Southeast Michigan State Employees Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southeast Michigan State Employees Federal Credit Union offer online and mobile banking?Most modern institutions like Southeast Michigan State Employees Federal 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.smsefcu.com. Current Southeast Michigan State Employees Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Thrive Federal Credit Union
Texasgulf Federal Credit Union
Louisville Federal Credit Union
SOUTHERN TEACHERS and PARENTS
Community Trust Credit Union
AERO Federal Credit Union
Bangor Federal Credit Union
Heritage Financial Credit Union
Tri County Credit Union Marinette, WI
B&V Credit Union
Financial Partners Federal Credit Union
East Baton Rouge Teachers Federal Credit Union
Firefighters Credit Union Onalaska, WI
Changing Seasons Federal Credit Union
Mt Carmel Church Federal Credit Union
Educators Credit Union
HELCO Federal Credit Union
LOCAL 697
Charter Oak Federal Credit Union
Sun Federal Credit Union
Fountain Valley Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
