|
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.
 State Employees Credit Union Rates & Review September 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 and Verified: September 14, 2026
State Employees Credit Union's 13 Month CD rates are at 4.10%, 13 Month Savings CD rates are at 4.10%, 8 Month CD rates are at 3.90%, 12 Month Platinum rates are at 3.80%, 5 Month CD rates are at 3.75%. State Employees Credit Union's savings rates are at 0.10%. State Employees Credit Union's money market rates are at 0.10%. State Employees Credit Union's About Mortgages - 10 Year Fixed rates are at 5.75%, About Mortgages - 15 Year Fixed rates are at 6.25%, About Mortgages - FHA 30 Year Fixed rates are at 6.38%, FHA 30 Year Fixed rates are at 6.38%, 30 Year Fixed rates are at 6.75%. State Employees Credit Union's Personal Loan Rates are as low as 9.99%. 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 3.77%. Rates last updated and verified on 09/14/2026. 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 Money Market 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
State Employees Credit Union Personal Loan Rates
State Employees Credit Union Other Rates
Financial Health HistoryState Employees Credit Union’s Texas Ratio rose from 3.16% in Q2 2023 to 3.77% in Q1 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
532
Part-Time Employees
14
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+ (98/100)
Texas Ratio
3.77%
Return on Assets (ROA)
0.1868%
Return on Equity (ROE)
1.7994%
Non-Performing Loans Ratio (NPL)
0.54%
Total Assets
5,728,204,872
Total Amount of Shares and Deposits
4,976,436,736
Total Shares and Deposits < 1 Year
4,755,355,103
Total Shares and Deposits 1 3 Years
200,936,503
Total Shares and Deposits > 3 Years
20,145,130
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
210,319,757
Total Uninsured Shares and Deposits > $250K (F+J)
210,319,757
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,766,116,979
Total Interest Expense (Sum of items 6 8)
20,730,186
Share Certificates
63,998
Number of Accounts for Share Drafts
199,142
IRA KEOGH Accounts
18,772
Number of Accounts for Regular Shares
317,289
All other shares
11,082
Money Market Shares
24,594
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)
403,773,268
Total Liabilities
5,177,399,277
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for State Employees Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for State Employees Credit Union
Frequently Asked Questions About State Employees Credit UnionHow 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.
Compare to Other Credit Unions
Everman Parkway Credit Union
Hometown Federal Credit Union Peru, IN
Polam FCU Los Angeles, CA
ASHLAND COMMUNITY
Edwards Federal Credit Union
Metro Credit Union
Trinity Valley Teachers Credit Union
SP Trainmen Federal Credit Union
Compass Community Credit Union
North Carolina Press Association Federal Credit Union
Shuford Federal Credit Union
Community Credit Union of New Milford, CT
Intrepid Credit Union
FAMU Florida A&M University FCU
Security First Federal Credit Union
Fremont Federal Credit Union
Community Healthcare Federal Credit Union
Salt Employees Federal Credit Union
Austin Federal Credit Union
Sylvania Area Federal Credit Union
Saint Jude Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking