Credit union · NCUA insured
State Employees' Credit Union Savings Rates
Top CarrotState Employees' Credit Union’s best savings rate is 2.20% APY on $10,000, with its Money Market Share Account. Rates checked October 22, 2026.
How State Employees' Credit Union’s savings 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
2.20%APY
- Requires
- None
- Minimum
- $250
- Earns on $10,000 a year
- $220
Money Market Share Account
Top rate
Langley Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Coastal Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $325
State Employees' Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.20%
- $10,000 balance$10,0002.20%
- $100,000 balance$100,0002.20%
- QualifiedQualified2.20%
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 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.
Money Market Share Account
2.20%APY
Dividends compound daily and are paid monthly. Minimum balance of $250 required to earn dividends and avoid a $2 monthly maintenance fee. Account cannot be used for ACH debits, checks, BillPay, or loan collateral.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividends compounded daily and paid monthly. Minimum balance to earn dividends is $250; if balance falls below $250 during a statement period, a $2 monthly maintenance fee is assessed.$250 and up | 2.20% | $220 | Dividends compounded daily and paid monthly. Minimum balance to earn dividends is $250; if balance falls below $250 during a statement period, a $2 monthly maintenance fee is assessed. |
| $250 and upDividends compounded daily. Minimum balance to earn dividends is $250; if balance falls below $250 at any time during a statement period, a $2 monthly maintenance fee is assessed.$250 and up | 2.20% | $220 | Dividends compounded daily. Minimum balance to earn dividends is $250; if balance falls below $250 at any time during a statement period, a $2 monthly maintenance fee is assessed. |
Sources (2)
All captured Oct 4, 2026
Share Account
0.25%APY
Membership in SECU requires opening a Share Account. Must maintain a $25 minimum balance to avoid monthly maintenance fee and maintain membership. A $1 monthly maintenance fee is charged if the account is below $25 on the statement date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends accrue when balance is greater than zero; $1 monthly fee if balance falls below $25 minimum balance on statement date.$25 and up | 0.25% | $25 | Dividends accrue when balance is greater than zero; $1 monthly fee if balance falls below $25 minimum balance on statement date. |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Coverdell Education Savings Account (CESA)
3.56%APY
For beneficiary under age 18 or special needs. $25 opening deposit. Must maintain $25 balance. $1 monthly fee if balance falls below $25 on statement date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upTax-free withdrawals for qualified education expenses.$25 and up | 3.56% | $356 | Tax-free withdrawals for qualified education expenses. |
Sources (2)
All captured Oct 22, 2026
IRA (Traditional, Roth, SEP)
3.56%APY
Tax-advantaged retirement savings share account (Traditional, Roth, SEP). Minimum opening deposit $25, minimum balance $25. $1 monthly maintenance fee if balance falls below $25 on statement date. IRC contribution limits and eligibility rules apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends accrue when account balance is greater than zero. $1 monthly maintenance fee if balance is below $25 on statement date.$25 and up | 3.56% | $356 | Dividends accrue when account balance is greater than zero. $1 monthly maintenance fee if balance is below $25 on statement date. |
Sources (2)
All captured Oct 22, 2026
Health Savings Account
3.30%APY
For eligible members covered under a qualified HDHP, not covered by non-HDHP major medical health plan, not enrolled in Medicare, and not claimed as a dependent on another tax return. Contributions tax-deductible; distributions for qualified medical expenses tax-free. No minimum opening deposit, no minimum balance, and $0 monthly maintenance fee. Variable dividend rate.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. $0 monthly maintenance fee.Any balance | 3.30% | $330 | No minimum balance required to earn dividends. $0 monthly maintenance fee. |
Sources (3)
- ncsecu.org/content/dam/ncsecu/…res/SECUFeesAndTerms.pdf
- ncsecu.org/accounts/savings/health-savings
- ncsecu.org/rates-fees/account-rates
All captured Sep 19, 2026
FAT CAT® Share Account
0.25%APY
For children 12 and under. Joint ownership required. $5 opening deposit. $0 monthly fee; must maintain $25 after opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upWithdrawals allowed once balance exceeds $25.$25 and up | 0.25% | $25 | Withdrawals allowed once balance exceeds $25. |
Sources (2)
All captured Oct 22, 2026
Holiday Cash Club Account
0.25%APY
No minimum opening deposit and no minimum balance. No monthly maintenance fee. Funds deposit automatically on the last business day in October. Dividends compounded daily and paid monthly. Early withdrawal requires closing the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends. $0 monthly maintenance fee.Any balance | 0.25% | $25 | No minimum balance required to earn dividends. $0 monthly maintenance fee. |
Sources (2)
All captured Oct 22, 2026
Zard® Share Account
0.25%APY
For youth ages 13-19 eligible for membership. Must maintain $25 minimum balance. $1 monthly fee if balance is below $25 on statement date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance $25 required for membership.$25 and up | 0.25% | $25 | Minimum balance $25 required for membership. |
Sources (2)
All captured Oct 22, 2026
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.