Credit union · NCUA insured
State Employees Credit Union CD Rates
Top CarrotState Employees Credit Union’s best CD rate is 5.00% APY on a 6-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How State Employees Credit Union’s CD rates compare
Compared with banks and credit unions near Albuquerque, NM, where State Employees Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
State Employees Credit Union
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $247
Share Certificates
Top rate
Del Norte Credit Union
5.18%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $562
2nd-highest rate
Kirtland Credit Union
5.12%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $778
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 5.00%APY · 8 terms
Quarterly dividends. Dividend transfer available on 24-60 month terms. Rising Rate Option available on 48 and 60 month terms allowing dividend rate and APY to change once during original term to current rate for same term. Bonus rate condition adds +0.10% each for active checking account, full direct deposit, active SECU credit card, active consumer loan, and current mortgage (+0.50% max).
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsBonus Rate APY includes all membership rate bonus conditions at 0.10% each (5 total: Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage). Early withdrawal penalty: 90 days interest | — | 3.64% | 3.64% | $180 |
| 6 monthsBonus Rate APY requires relationship bonus conditions (active checking +0.10%, full direct deposit +0.10%, active SECU credit card +0.10%, active consumer loan +0.10%, current mortgage +0.10%). Early withdrawal penalty: 90 days interest | — | 5.00% | 5.00% | $247 |
| 6 monthsBonus Rate APY requires relationship bonus conditions. Early withdrawal penalty: 90 days interest | — | 3.60% | 3.60% | $178 |
| 6 monthsEarly withdrawal penalty: 90 days interest | — | 4.50% | 4.50% | $223 |
| 6 monthsEarly withdrawal penalty: 90 days interest. No setup or maintenance fees | — | 3.14% | 3.14% | $156 |
| 7 monthsEarly withdrawal penalty: 90 days interest | — | 3.03% | 3.03% | $176 |
| 12 monthsBonus Rate APY includes all membership rate bonus conditions at 0.10% each (5 total). Early withdrawal penalty: 90 days interest | 3.58% | — | 3.58% | $358 |
| 12 monthsBonus Rate APY requires relationship bonus conditions. Early withdrawal penalty: 90 days interest | 3.75% | — | 3.75% | $375 |
| 12 monthsEarly withdrawal penalty: 90 days interest | 3.25% | — | 3.25% | $325 |
| 12 monthsEarly withdrawal penalty: 90 days interest. No setup or maintenance fees | 3.08% | — | 3.08% | $308 |
| 15 monthsEarly withdrawal penalty: 90 days interest | — | 2.02% | 2.02% | $253 |
| 24 monthsBonus Rate APY includes all membership rate bonus conditions at 0.10% each (5 total). Early withdrawal penalty: 180 days interest | — | 3.25% | 3.25% | $661 |
| 24 monthsBonus Rate APY requires relationship bonus conditions. Early withdrawal penalty: 180 days interest | — | 3.25% | 3.25% | $661 |
| 24 monthsDividend transfer available. Early withdrawal penalty: 180 days interest | — | 2.75% | 2.75% | $558 |
| 24 monthsDividend transfer available. Early withdrawal penalty: 180 days interest. No setup or maintenance fees | — | 2.75% | 2.75% | $558 |
| 36 monthsBonus Rate APY includes all membership rate bonus conditions at 0.10% each (5 total). Early withdrawal penalty: 180 days interest | — | 3.07% | 3.07% | $950 |
| 36 monthsBonus Rate APY requires relationship bonus conditions. Early withdrawal penalty: 180 days interest | — | 3.40% | 3.40% | $1,055 |
| 36 monthsDividend transfer available. Early withdrawal penalty: 180 days interest | — | 2.90% | 2.90% | $895 |
| 36 monthsDividend transfer available. Early withdrawal penalty: 180 days interest. No setup or maintenance fees | — | 2.57% | 2.57% | $791 |
| 48 monthsBonus Rate APY includes all membership rate bonus conditions at 0.10% each (5 total). Early withdrawal penalty: 270 days interest | — | 2.87% | 2.87% | $1,198 |
| 48 monthsBonus Rate APY requires relationship bonus conditions. Early withdrawal penalty: 270 days interest | — | 3.50% | 3.50% | $1,475 |
| 48 monthsDividend transfer and Rising Rate Option available. Early withdrawal penalty: 270 days interest | — | 3.00% | 3.00% | $1,255 |
| 48 monthsDividend transfer and Rising Rate Option available. Early withdrawal penalty: 270 days interest. No setup or maintenance fees | — | 2.37% | 2.37% | $982 |
| 60 monthsBonus Rate APY includes all membership rate bonus conditions at 0.10% each (5 total). Early withdrawal penalty: 270 days interest | — | 3.10% | 3.10% | $1,649 |
| 60 monthsBonus Rate APY requires relationship bonus conditions. Early withdrawal penalty: 270 days interest | — | 3.60% | 3.60% | $1,934 |
| 60 monthsDividend transfer and Rising Rate Option available. Early withdrawal penalty: 270 days interest | — | 3.10% | 3.10% | $1,649 |
| 60 monthsDividend transfer and Rising Rate Option available. Early withdrawal penalty: 270 days interest. No setup or maintenance fees | — | 2.60% | 2.60% | $1,369 |
Sources (3)
- secunm.org/accounts/savings/share-certificates.html
- secunm.org/rates.html
- secunm.org/accounts/checking/free-kasasa-cash-back.html
All captured Sep 16, 2026
Who can join State Employees Credit Union
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