Credit union · NCUA insured
State Employees' Credit Union CD Rates
Top CarrotState Employees' Credit Union’s best CD rate is 4.30% APY on an 18-month share certificate (CD). 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 Raleigh, NC, where State Employees' Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
State Employees' Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $652
Share Term Certificate (STC) Account
Top rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Coastal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,462
State Employees' Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.85%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.30%
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.
Where State Employees' Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Term Certificate (STC) Account
Up to 4.30%APY · 8 terms
Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFor 6-month STCs, interest earned may be paid to the STC at maturity or transferred monthly to another SECU account | 3.85% | $191 |
| 12 monthsFor 12-month STCs, interest earned may be paid to the STC at maturity or transferred monthly to another SECU account | 4.00% | $400 |
| 18 monthsInterest payout is mandatory and must transfer monthly to another SECU deposit account | 4.30% | $652 |
| 24 monthsInterest payout is mandatory and must transfer monthly to another SECU deposit account | 4.30% | $878 |
| 30 monthsInterest payout is mandatory and must transfer monthly to another SECU deposit account | 4.00% | $1,030 |
| 36 monthsInterest payout is mandatory and must transfer monthly to another SECU deposit account | 4.00% | $1,249 |
| 48 monthsInterest payout is mandatory and must transfer monthly to another SECU deposit account | 4.00% | $1,699 |
| 60 monthsInterest payout is mandatory and must transfer monthly to another SECU deposit account | 4.00% | $2,167 |
Who can join State Employees' Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active (including part-time) and former employees of BCBSNC Credit Union are eligible for membership.
- Active (including part-time) and former employees of Blue Cross Blue Shield of North Carolina, Inc. are eligible for membership.
- Active (including part-time) and former employees of any subsidiary organization of Blue Cross Blue Shield of North Carolina, Inc. are eligible for membership.
- Active (including part-time) and former employees of Cahaba Benefit Administrators, a division of Blue Cross and Blue Shield of Alabama (located in NC), are eligible for membership.
- Active (including part-time) and former employees of Manpower Group who work at BCBSNC are eligible for membership.
- Active (including part-time) and former employees of Palmetto Government Business Administrators, a division of Blue Cross Blue Shield of South Carolina (located in NC), are eligible for membership.
12 more ways to join
Employers and groups
- Active (including part-time) and former employees of Topaz Shared Services, Durham, NC are eligible for membership.
Military, government and schools
- Employees of federal agencies assigned to North Carolina state agencies are eligible for membership.
- Employees of North Carolina public boards of education are eligible for membership.
- Employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense (i.e., Emergency Management) are eligible for membership.
- Employees of associations formed for the benefit of state of North Carolina employees (e.g., State Employees Association of North Carolina) are eligible for membership.
- Members of the North Carolina National Guard are eligible for membership.
- Employees of agencies or departments whose employees are otherwise subject to the North Carolina State Personnel Act (now known as the North Carolina Human Resources Act), with certain exclusions, are eligible for membership.
- Employees of the state of North Carolina are eligible for membership.
- Individuals retired as pensioners and/or annuitants from qualifying state, education, county department, association, assigned federal, or National Guard employment or service are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships) of an existing member are eligible for membership.
- Persons living in the same residence maintaining a single economic unit with a current member are eligible for membership.
- Un-remarried spouses of persons who died while in the field of membership are eligible for membership.
Cost to join
- Membership requires opening a share account with a minimum deposit of $25 (at least five shares at $5 each), or $5 (one share) for children under 13 years of age.
Membership information collected October 4, 2026.