State Employees Credit Union Savings & Money Market Rates

How State Employees Credit Union’s savings 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
1.75%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$175
Money Market
Top rate
Citizens Bank of Las Cruces
5.12%APY
Requires
Another account
Minimum
$25
Earns on $10,000 a year
$512
Citizens Bank of Las Cruces rates
2nd-highest rate
America First Credit Union
3.95%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$395
America First Credit Union rates

Compare savings rates near you →

Savings score

Higher than 85% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.30%
$10,000 balance$10,0001.75%
$100,000 balance$100,0002.50%
QualifiedQualified1.75%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where State Employees Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Advantage+ Money Market

Up to 3.00%APYRequirements apply

Requires State ECU membership. Base rate applies on average minimum daily balance of $100,000 for the monthly cycle. Up to 0.50% in relationship rate bonuses available (+0.10% each for Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, and Current Mortgage). No setup or maintenance fees.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100,000 and upIncludes 5 relationship rate bonus conditions (+0.10% each for Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage).$100,000 and up	3.00%	—	Includes 5 relationship rate bonus conditions (+0.10% each for Active Checking Account, Full Direct Deposit, Active SECU Credit Card, Active Consumer Loan, Current Mortgage).
$100,000 and upBase rate on average minimum daily balance of $100,000 for the monthly cycle.$100,000 and up	2.50%	—	Base rate on average minimum daily balance of $100,000 for the monthly cycle.

Sources (2)

All captured Oct 22, 2026

Money Market

1.75%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $9,999	0.15%	—
$10,000 – $49,999	1.75%	$175
$50,000 – $249,999	2.00%	—
$250,000 and up	2.25%	—

Sources (2)

All captured Oct 22, 2026

Kasasa Saver

Up to 0.60%APYRequirements apply

Must link to Kasasa Cash or Kasasa Cash Back checking account to make saving easy. Qualifying for Kasasa Cash or Kasasa Cash Back rewards automatically qualifies for highest Kasasa Saver rate; otherwise base dividend rate applies.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Balances up to $50,000 when monthly qualifications in linked Kasasa Cash or Kasasa Cash Back checking account are met.	0.60%	$60	Balances up to $50,000 when monthly qualifications in linked Kasasa Cash or Kasasa Cash Back checking account are met.
Any balanceAll balances if monthly qualifications in linked Kasasa Cash or Kasasa Cash Back checking account are not met.	0.05%	$5	All balances if monthly qualifications in linked Kasasa Cash or Kasasa Cash Back checking account are not met.
$50,000 and upBalances over $50,000 when qualifications are met; stated APY range is 0.60% to 0.40% with interest rate 0.30%.	0.30%	—	Balances over $50,000 when qualifications are met; stated APY range is 0.60% to 0.40% with interest rate 0.30%.

Sources (3)

All captured Oct 22, 2026

Money Manager

0.15%APYMoney market

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1,000 – $9,999	0.10%	—
$10,000 – $24,999	0.15%	$15
$25,000 – $49,999	0.20%	—
$50,000 and up	0.30%	—

Sources (1)

secunm.org/accounts/savings/money-market-advantage.html · captured Oct 22, 2026

Certificate Builder

0.30%APY

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$25 and upEarns dividends on balances of $25 or more; $25 balance required.$25 and up	0.30%	$30	Earns dividends on balances of $25 or more; $25 balance required.

Sources (3)

All captured Oct 22, 2026

Member Savings

0.15%APY$5 to open

Establishes membership; 6 free withdrawals per month; dividends paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$300 and upEarns dividends on balances of $300 or more; $5 balance required / minimum deposit to open and maintain membership.$300 and up	0.15%	$15	Earns dividends on balances of $300 or more; $5 balance required / minimum deposit to open and maintain membership.

Sources (4)

All captured Oct 22, 2026

Special Savings

0.15%APY

6 free withdrawals per month; 65¢ per transaction thereafter; dividends paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$300 and upEarns dividends on balances of $300 or more; $0 balance required / no minimum deposit to open.$300 and up	0.15%	$15	Earns dividends on balances of $300 or more; $0 balance required / no minimum deposit to open.

Sources (4)

All captured Oct 22, 2026

Special-purpose accounts

Individual Retirement Accounts (IRAs)

0.40%APYIRA

Includes Traditional and Roth IRA savings options.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceApplies to Traditional and Roth IRA savings types; $0 minimum balance.Any balance	0.40%	$40	Applies to Traditional and Roth IRA savings types; $0 minimum balance.

Sources (4)

All captured Oct 22, 2026

Club Accounts

0.15%APYClub

Dividends paid quarterly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$300 and upEarns dividends on balances of $300 or more; $0 balance required / no minimum deposit to open.$300 and up	0.15%	$15	Earns dividends on balances of $300 or more; $0 balance required / no minimum deposit to open.

Sources (3)

All captured Oct 22, 2026

Uniform Gift to Minor Account

0.15%APYKids and teens

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$300 and upEarns dividends on balances of $300 or more; $0 balance required.$300 and up	0.15%	$15	Earns dividends on balances of $300 or more; $0 balance required.

Sources (2)

All captured Oct 22, 2026

Who can join State Employees Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

Visit institution website ↗Branches and institution details

← State Employees Credit Union overview

How State Employees Credit Union’s savings rates compare

State Employees Credit Union savings score

Current savings rates

Advantage+ Money Market

Money Market

Kasasa Saver

Money Manager

Certificate Builder

Member Savings

Special Savings

Special-purpose accounts

Individual Retirement Accounts (IRAs)

Club Accounts

Uniform Gift to Minor Account

Who can join State Employees Credit Union