Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
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 October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 13, 2026
State Employees Credit Union's top rates as of October 13, 2026 are 4.10% APY on its 13 Month Savings CD, 0.35% APY on savings, 2.00% APY on checking, 5.88% on its 5/1 ARM mortgage, and personal loans from 10.24% APR, according to rates verified by MonitorBankRates. Other State Employees Credit Union CD rates include CD of Deposit - 13 Month at 4.10%, Traditional CD - 13 Month at 4.10%, and CD of Deposit - 8 month at 3.90%. Other State Employees Credit Union mortgage rates include 10 Year Fixed at 6.25%, 15 Year Fixed at 6.75%, and FHA 30 Year Fixed at 6.88%. 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 6.00%. Rates last updated and verified on 10/13/2026.
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 has earned an overall safety grade of A (Excellent, Score: 97/100).
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.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
State Employees Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
6.00%
ExcellentLower than avg
State Employees Credit Union Texas Ratio
State Employees Credit Union's Texas Ratio is 6.00%, which is considered excellent and is lower than the national average of 6.13%.
State Employees Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.69% to 6.00% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this credit union has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
View More
13 Month Savings CD
-
4.10%
13 Month
Min Deposit$500
DetailsFeatured CD; As of August 26, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 13 Month
4.04%
4.10%
13 Month
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 13 Month
4.04%
4.10%
13 Month
DetailsSavings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 8 month
3.84%
3.90%
8 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 12 Month Platinum
3.75%
3.80%
12 Month
Min Deposit$500
DetailsSet appointment to open; Requires SECU Total Checking - Platinum level; only available to members with a SECU Total Checking & Rewards account that qualified for the platinum rewards level in the last 3 months
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.80% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 12 Month Platinum
3.75%
3.80%
12 Month
DetailsRequires SECU Total Checking - Platinum level; Set appointment to open; Only available to members with SECU Total Checking & Rewards account that qualified for platinum rewards level in last 3 months; must be opened in a branch, Virtual Financial Center, or via mail; Savings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.80% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 5 month
3.70%
3.75%
5 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 12 Month Gold
3.65%
3.70%
12 Month
Min Deposit$500
DetailsSet appointment to open; Requires SECU Total Checking - Gold level; only available to members with a SECU Total Checking & Rewards account that qualified for the gold rewards level in the last 3 months
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.70% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 12 Month Gold
3.65%
3.70%
12 Month
DetailsRequires SECU Total Checking - Gold level; Set appointment to open; Only available to members with SECU Total Checking & Rewards account that qualified for gold rewards level in last 3 months; must be opened in a branch, Virtual Financial Center, or via mail; Savings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.70% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 1-year Jumbo
3.60%
3.65%
1 year
Min Deposit$100,000
DetailsJumbo CD; Set appointment to open
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 1-year Jumbo
3.60%
3.65%
1 year
Min Deposit$100,000
DetailsJumbo; Set appointment to open; minimum deposit for Jumbo CDs is $100,000; Savings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.65% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 1 year
3.50%
3.55%
1 year
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 1 year
3.50%
3.55%
1 year
DetailsRates current as of August 26, 2026; CD accounts show the interest rate; Savings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.55% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 2-year Jumbo
3.26%
3.30%
2 years
Min Deposit$100,000
DetailsJumbo CD; Set appointment to open
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 2-year Jumbo
3.26%
3.30%
2 years
Min Deposit$100,000
DetailsJumbo; Set appointment to open; minimum deposit for Jumbo CDs is $100,000; Savings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 15 month
3.16%
3.20%
15 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 6 month
3.16%
3.20%
6 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 9 month
3.16%
3.20%
9 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 15 month
3.16%
3.20%
15 months
DetailsSavings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.20% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 11 month
2.97%
3.00%
11 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 18 month
2.97%
3.00%
18 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 2 years
2.97%
3.00%
2 years
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 3 years
2.97%
3.00%
3 years
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 30 month
2.97%
3.00%
30 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 18 month
2.97%
3.00%
18 months
DetailsSavings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 2 years
2.97%
3.00%
2 years
DetailsSavings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 3 years
2.97%
3.00%
3 years
DetailsSavings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 30 month
2.97%
3.00%
30 months
DetailsSavings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 1-year Add-On
2.82%
2.85%
1 year
Min Deposit$100
DetailsAdd-On CD; Open now
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.85% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 17 month
1.99%
2.00%
17 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 3 month
1.99%
2.00%
3 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 7 month
1.99%
2.00%
7 months
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 5 years
1.79%
1.80%
5 years
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 5 years
1.79%
1.80%
5 years
DetailsSavings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.80% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 4 years
1.74%
1.75%
4 years
Min Deposit$500
DetailsOpen now
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 4 years
1.74%
1.75%
4 years
DetailsSavings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Certificate of Deposit - 5-year Step-Up
1.39%
1.40%
5 years
Min Deposit$500
DetailsStep-Up CD: steps up to a higher rate one time during the CD term
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.40% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Traditional Certificate - 5-year Step Up
1.39%
1.40%
5 years
DetailsStep up to a higher rate one time during the CD term; Savings, Traditional, Roth & Educational IRA Certificates
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.40% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Savings Rates
Product
Rate
APY
View More
Holiday Savings
0.10%
0.10%
DetailsMinimum Balance:
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
IRA Savings
0.10%
0.10%
Min Balance$10
Last Updated10/13/2026
Rate History
No change since Sep 22, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Share Savings
0.10%
0.10%
Min Balance$10
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.35%
0.35%
Min Balance$10
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Checking Rates
Product
Rate
APY
View More
SECU Total Checking & Rewards - Platinum Level
-
2.00%
DetailsQualifications Required; Qualifying Platinum Members Earn Up to 2.00% APY; Balance: $75,000 or more in checking; Blended APY calculated on average daily balance; Other rewards levels and balances earn different APYs
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM Checking & Rewards - Platinum
-
2.00%
DetailsQualifications Required; Up To; Requires e-statements and full check direct deposit of $500+/month into checking
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM Checking & Rewards - Gold
-
0.15%
DetailsQualifications Required; Up To; Requires e-statements and full check direct deposit of $500+/month into checking
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM Checking & Rewards - Silver
-
0.10%
DetailsQualifications Required; Requires e-statements and full check direct deposit of $500+/month into checking
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM Checking & Rewards - Bronze
-
0.05%
Min Deposit$25
DetailsUp To; Entry level; everyone starts here each month and levels up as requirements are met
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Business Checking Rates
Product
Rate
APY
View More
Interest-earning business checking
1.98%
2.00%
Min Balance$100
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Nonprofit business checking
1.98%
2.00%
Min Balance$100
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Estate business checking
0.25%
0.25%
Min Balance$100
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
10 Year Fixed
6.25%
1.000%
6.571%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.57% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
15 Year Fixed
6.75%
1.000%
6.981%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.98% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
FHA 30 Year Fixed
6.875%
1.125%
7.209%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.21% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
20 Year Fixed
7.125%
0.875%
7.296%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.30% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
30 Year Fixed
7.25%
1.000%
7.396%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.40% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
10/1 ARM
6.25%
1.000%
7.836%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.84% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
7/1 Jumbo Purchase Loan
6.125%
1.000%
8.296%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.30% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
7/1 ARM
6.125%
1.000%
8.324%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.32% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
5/1 ARM
5.875%
1.125%
8.424%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.42% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
10/1 ARM 1
7.00%
1.000%
8.535%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.54% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
5/5 Jumbo Purchase Loan
5.875%
1.125%
8.617%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
2 changes since Sep 18, 2026 · 8.00% → 8.62% ▲ 0.62 pts · high 8.62% / low 8.00%
Oct 13, 20268.62%▲ from 8.11%
Sep 22, 20268.11%▲ from 8.00%
Sep 18, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
7/1 ARM 1
6.75%
1.000%
8.904%
DetailsPurchase Rates; Rates current as of: October 9, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.90% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity HELOC - Variable Rate
-
-
7.00%
DetailsAs Low As; variable rate of Prime plus 0% (example at prime rate of 7.00%; current range Prime plus 0% to 0.5%, 7.00%-7.50%); interest-only option requires 720+ FICO and maximum 80% LTV; 10-year draw period followed by up to 20 years to repay
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.00% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Home Equity Line of Credit- Initial draw
-
-
7.00%
Up to 20 years
DetailsAdditional APR listed for this product: 7.50%. $20,000; Loan-to-Value Ratio: 80%
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Home Equity Line of Credit- Initial draw
-
-
7.50%
Up to 20 years
Details$20,000; Loan-to-Value Ratio: 81 - 90%
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 7.50% APR · checked 2 times
No change since Oct 9, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
4.04%
36 Month
DetailsNew Auto or Truck Purchase/Refinance; As of July 15, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.04% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Used Auto Loan
-
-
4.29%
36 Month
DetailsUsed Auto or Truck Purchase/Refinance; As of July 15, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Student Loan Rates
Product
Rate
Points
APR
Term
View More
Student Loan Refinance (Fixed Rate)
4.42%
-
4.42%
5-Year
DetailsPublished rate range: 4.42% - 7.00%. Rates current as of: January 1, 2025
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.42% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Student Loan Refinance (Fixed Rate)
4.92%
-
4.92%
10-Year
DetailsPublished rate range: 4.92% - 8.00%. Rates current as of: January 1, 2025
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 4.92% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Student Loan Refinance (Fixed Rate)
7.08%
-
7.08%
15-Year
DetailsPublished rate range: 7.08% - 9.50%. Rates current as of: January 1, 2025
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 7.08% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loan
10.24%
60 months
DetailsRates current as of September 30, 2026
Last Updated10/13/2026
Rate History
1 change since Sep 22, 2026 · 9.99% → 10.24% ▲ 0.25 pts · high 10.24% / low 9.99%
Oct 9, 202610.24%▲ from 9.99%
Sep 22, 20269.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
State Employees Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Preferred Line of Credit
-
-
12.24%
DetailsMaximum term: N/A; Rates current as of September 30, 2026
Last Updated10/13/2026
Rate History
1 change since Sep 22, 2026 · 11.99% → 12.24% ▲ 0.25 pts · high 12.24% / low 11.99%
Oct 1, 202612.24%▲ from 11.99%
Sep 22, 202611.99%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
8 months Savings CD
-
-
3.90%
8 months
Min Deposit$500
DetailsFeatured CD; As of August 26, 2026
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Coverdell Education Savings Account
0.10%
-
0.10%
Min Balance$10
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Roth Contributory IRA
0.10%
-
0.10%
Min Balance$10
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Roth Conversion IRA
0.10%
-
0.10%
Min Balance$10
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM - BRONZE
-
-
0.05%
Min Balance$1,000
DetailsBalance: $1,000+; APY applies to the portion of balance above $1,000 (blended rate); Rates current as of: November 1, 2022
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM - GOLD
-
-
0.15%
Min Balance$20,000
DetailsBalance: $20,000 or more; Up to 0.15% APY (blended rate)
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM - GOLD
-
-
0.10%
DetailsBalance: Less than $20,000; APY applies to the portion of balance in this tier (blended rate)
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM - PLATINUM
-
-
2.00%
Min Balance$75,000
DetailsBalance: $75,000 or more; APY up to 2.00%; blended rate; Rates current as of: November 1, 2022
Last Updated10/13/2026
Rate History
1 change since Oct 9, 2026 · 0.10% → 2.00% ▲ 1.90 pts · high 2.00% / low 0.10%
Oct 13, 20262.00%▲ from 0.10%
Oct 9, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM - PLATINUM
-
-
0.50%
Min Balance$20,000
DetailsBalance: $20,000 - $74,999.99; APY up to 0.50%; blended rate; Rates current as of: November 1, 2022
Last Updated10/13/2026
Rate History
1 change since Oct 9, 2026 · 0.10% → 0.50% ▲ 0.40 pts · high 0.50% / low 0.10%
Oct 13, 20260.50%▲ from 0.10%
Oct 9, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM - PLATINUM
-
-
0.15%
Min Balance$3,500
DetailsBalance: $3,500 - $19,999.99; APY up to 0.15%; blended rate; Rates current as of: November 1, 2022
Last Updated10/13/2026
Rate History
1 change since Oct 9, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10%
Oct 13, 20260.15%▲ from 0.10%
Oct 9, 20260.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM - PLATINUM
-
-
0.10%
DetailsBalance: Less than $3,500; blended rate; Rates current as of: November 1, 2022
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
SECU TotalTM - SILVER
-
-
0.10%
DetailsBalance: All Balances; APY applies to the portion of your balance listed for each tier and is calculated as a blended rate; you must meet the criteria for each rewards level to receive the APY shown; rates current as of November 1, 2022
Last Updated10/13/2026
Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.00%
Financial Health History
State Employees Credit Union’s Texas Ratio rose from 3.69% in Q3 2023 to 6.00% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
$5.8B
6.00%
5.0
A
March 31, 2026
$5.7B
3.77%
5.0
A+
December 31, 2025
$5.8B
4.83%
5.0
A+
September 30, 2025
$5.7B
5.02%
5.0
A+
June 30, 2025
$5.6B
4.52%
5.0
A+
March 31, 2025
$5.6B
3.95%
5.0
A+
December 31, 2024
$5.5B
3.78%
5.0
A+
September 30, 2024
$5.7B
3.13%
5.0
A+
June 30, 2024
$5.6B
3.11%
5.0
A+
March 31, 2024
$5.5B
3.10%
5.0
A+
December 31, 2023
$5.3B
3.69%
5.0
A+
September 30, 2023
$5.3B
3.69%
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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
215,213,850
Total Uninsured Shares and Deposits > $250K (F+J)
215,213,850
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,805,934,213
Total Interest Expense (Sum of items 6 8)
41,978,519
Share Certificates
63,528
Number of Accounts for Share Drafts
202,705
IRA KEOGH Accounts
18,449
Number of Accounts for Regular Shares
321,030
All other shares
12,831
Money Market Shares
24,345
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)
416,445,589
Total Liabilities
5,269,323,937
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
State Employees Credit Union earned the Verified Healthy 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.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for State Employees Credit Union
Frequently Asked Questions About State Employees Credit Union
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.secumd.org.
Current State Employees Credit Union Rates
12-Month CD2.85%
18-Month CD2.00%
24-Month CD3.00%
60-Month CD1.40%
Savings0.35%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
