Southeast Michigan State Employees Credit Union

West Bloomfield, Michigan
Last verified: August 4, 2026
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Verified rate book

Current Southeast Michigan State Employees Credit Union rates

48 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

18 offers
Southeast Michigan State Employees Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Auto Loanauto_any_60mo4.990% APR4.990%60 moStandard
Auto Loanauto5.250% APR5.250%—Standard
36-Month New Auto Loan (2023 and Newer)auto_new_36mo5.250% APR5.250%36 mo · newStandard
New and Used Auto Loan Rates By Model Year (2023 and Newer)auto_any_36mo5.250% APR5.250%36 mo · anyStandard
48-Month New Auto Loan (2023 and Newer)auto_new_48mo6.250% APR6.250%48 mo · newStandard
Used Auto Loan Rates By Model Year (up to 36 months)auto_used_36mo6.250% APR6.250%36 mo · usedStandard
New and Used Auto Loan Rates By Model Year (2023 and Newer)auto_any_48mo6.250% APR6.250%48 mo · anyStandard
60-Month New Auto Loan (2023 and Newer)auto_new_60mo6.500% APR6.500%60 mo · newStandard
Used Auto Loan Rates By Model Year (up to 48 months)auto_used_48mo6.500% APR6.500%48 mo · usedStandard
New and Used Auto Loan Rates By Model Year (2023 and Newer)auto_any_60mo6.500% APR6.500%60 mo · anyStandard
72-Month New Auto Loanauto_new_72mo6.750% APR6.750%72 mo · newStandard
Used Auto Loan Rates By Model Year (up to 60 months)auto_used_60mo6.750% APR6.750%60 mo · usedStandard
72-Month New Auto Loan (2023 and Newer)auto_new_72mo7.000% APR7.000%72 mo · newStandard
New and Used Auto Loan Rates By Model Year (2023 and Newer)auto_any_72mo7.000% APR7.000%72 mo · anyStandard
Used Auto Loan Rates By Model Year (up to 72 months)auto_used_72mo7.250% APR7.250%72 mo · usedStandard
Recreational Loan Rates (RV’s Boats, Motorcycles, Water Sports, ATV’s) (up to 48 months)powersports_any_48mo7.250% APR7.250%48 moStandard
Recreational Loan Rates (RV’s Boats, Motorcycles, Water Sports, ATV’s) (up to 60 months)powersports_any_60mo8.250% APR8.250%60 moStandard
Recreational Loan Rates (RV’s Boats, Motorcycles, Water Sports, ATV’s) (up to 72 months)powersports_any_72mo9.000% APR9.000%72 moStandard

Personal loan rates

7 offers
Southeast Michigan State Employees Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Growth Loanpersonal_unsecured_12mo7.990% APR7.990%12 moStandard
Summer Loanpersonal_unsecured_24mo8.990% APR8.990%24 moStandard
Summer Loanpersonal_unsecured_60mo9.490% APR9.490%60 moStandard
Unsecured/Signature Personal Loanpersonal_unsecured_36mo10.250% APR10.250%36 moStandard
Unsecured/Signature Personal Loanpersonal_unsecured_60mo10.750% APR10.750%60 moStandard
Unsecured/Signature Personal Loanpersonal_unsecured_72mo12.000% APR12.000%72 moStandard
Revolving Line of Creditploc_variable15.000% APR15.000%—Standard

Credit card rates

2 offers
Southeast Michigan State Employees Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum8.900% APR8.900%—Standard
VISA Classiccredit_card13.920% APR13.920%—Standard

Savings & CD rates

15 offers
Southeast Michigan State Employees Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Regular Sharessavings0.05% APY0.05%—Standard
Super Saversavings0.25% APY0.25%—Standard
IRA Certificateira_cd0.50% APY0.50%—Standard
6-Month Certificatecd_6mo2.50% APY2.50%6 moStandard
6-Month Certificatecd_6mo2.53% APY2.50%6 moStandard
24-Month Certificatecd_24mo2.77% APY2.75%24 moStandard
24-Month IRA Certificateira_cd_24mo2.77% APY2.75%24 moStandard
12-Month IRA Certificateira_cd_12mo2.77% APY2.75%12 moStandard
12-Month Certificatecd_12mo2.77% APY2.75%12 moStandard
36-Month Certificatecd_36mo3.03% APY3.00%36 moStandard
36-Month IRA Certificateira_cd_36mo3.03% APY3.00%36 moStandard
48-Month IRA Certificateira_cd_48mo3.27% APY3.25%48 moStandard
48-Month Certificatecd_48mo3.27% APY3.25%48 moStandard
60-Month IRA Certificateira_cd_60mo3.54% APY3.50%60 moStandard
60-Month Certificatecd_60mo3.54% APY3.50%60 moStandard

Other rates

6 offers
Southeast Michigan State Employees Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Featured Ratesother0.250% %0.250%—Standard
Summer Refi Specialother4.740% %4.740%—Standard
Classic, Historic Loan Rates (26 Years and Older) (up to 36 months)other7.500% %7.500%—Standard
Classic, Historic Loan Rates (26 Years and Older) (up to 48 months)other8.500% %8.500%—Standard
Classic, Historic Loan Rates (26 Years and Older) (up to 60 months)other9.500% %9.500%—Standard
APR* as low asother15.000% %15.000%—Standard

Vehicle loans available from 4.99% APR for 60 months. Personal loan rates from 7.99% APR. Credit card rates from 8.9% APR. Savings and certificate yields up to 3.54% APY.

Source: RateAPI.dev, verified from Southeast Michigan State Employees Credit Union's official website

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About Southeast Michigan State Employees Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
3.1K
Assets
$51.5M
Founded
1952
Locations reported
1
NCUA charter
7628
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Financial education
  • Payday Alternative Loans I

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Community FinancialWest Bloomfield · West Bloomfield · MI · 48322Branch in the same ZIPCredit Union OneCUO-West Bloomfield · West Bloomfield · MI · 48322Branch in the same ZIPSelfrelianceWest Bloomfield Branch · West Bloomfield · MI · 48322Branch in the same ZIPVibeWest Bloomfield Branch · West Bloomfield · MI · 48323About 2.3 miles awayCommunity Choice27 Farmington Hills - 12 Mile · Farmington Hills · MI · 48331-3074About 2.7 miles awayLake MichiganFarmington Hills · Farmington HIlls · MI · 48331About 2.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Southeast Michigan State Employees Credit Union

Membership eligibility from Southeast Michigan State Employees Credit Union's own published criteria. How we verify this.

Membership via occupations (State of Michigan employees +1 more)

  • LocationLenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, Wayne
  • OccupationState of Michigan employees, local government staff

Cost to join: About $5.

Verified from Southeast Michigan State Employees Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Southeast Michigan State Employees Credit Union offer?

Southeast Michigan State Employees Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Southeast Michigan State Employees Credit Union rates updated?

RateAPI verifies Southeast Michigan State Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Southeast Michigan State Employees Credit Union's rate data?

Rate data is collected directly from Southeast Michigan State Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Southeast Michigan State Employees Credit Union's auto & powersports loan rates?

As of August 4, 2026, Southeast Michigan State Employees Credit Union offers vehicle loans from 4.99% APR.

What is Southeast Michigan State Employees Credit Union's personal loan rate?

As of August 4, 2026, Southeast Michigan State Employees Credit Union offers personal loans from 7.99% APR.

What is Southeast Michigan State Employees Credit Union's best CD rate?

As of August 4, 2026, Southeast Michigan State Employees Credit Union offers savings and certificate (CD) yields up to 3.54% APY.

Related Rate Data

Compare Southeast Michigan State Employees Credit Union's rates against national credit-union benchmarks.

More Michigan credit unionsAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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# Get rates for Southeast Michigan State Employees Credit Union
curl "https://api.rateapi.dev/credit-unions/michigan/southeast-michigan-state-employees" \
  -H "Authorization: Bearer YOUR_API_KEY"
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