State Employees Credit Union

Santa Fe, New Mexico
Last verified: August 4, 2026
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Verified rate book

Current State Employees Credit Union rates

56 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

4 offers
State Employees Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
15-Year Fixed15 year fixed6.000% APR6.000%—Standard
10-Year Fixed10 year fixed6.880% APR6.880%—Standard
30 Year (10 Year Draw)other6.750% APR6.750%—Standard
20 Year - 10 Year Callother7.630% APR7.630%—Standard

Auto & vehicle rates

14 offers
State Employees Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Used Auto Loan (2014 and Older)auto_used_60mo3.740% APR3.740%60 mo · usedStandard
66-Month New Auto Loan (2023–2027)auto_new_66mo5.390% APR5.390%66 mo · newStandard
New Vehicle (Cost over $15,000)auto_new_75mo5.490% APR5.490%75 mo · newStandard
New Vehicle (Cost over $25,000)auto_new_84mo6.290% APR6.290%84 mo · newStandard
Used Vehicle Max Mileage 65K (2019-2022)auto_used_84mo6.430% APR6.430%84 mo · usedStandard
75-Month Used Auto Loan (2018 and Older)auto_used_75mo6.630% APR6.630%75 mo · usedStandard
New Motorcycle/Boat Loans (2025 - 2027) (Cost over $20,000)motorcycle_new_84mo7.740% APR7.740%84 mo · newStandard
Used Motorcycle/Boat Loans (2020 - 2024) (Cost under $20,000)motorcycle_used_75mo7.990% APR7.990%75 mo · usedStandard
Used Motorcycle/Boat Loans (2020 - 2024)motorcycle_used_84mo8.240% APR8.240%84 mo · usedStandard
New RV/Trailer/Tractor Loans (2025 - 2027) (Cost under $40,000)rv_new_144mo8.740% APR8.740%144 mo · newStandard
New RV/Trailer/Tractor Loans (2025 - 2027) (Cost over $40,000)rv_new_180mo8.740% APR8.740%180 mo · newStandard
Used RV/Trailer/Tractor Loans (2020 - 2024)rv_used_144mo9.240% APR9.240%144 mo · usedStandard
Used Motorcycle/Boat Loans (2015 - 2019)motorcycle_used_66mo9.740% APR9.740%66 mo · usedStandard
Used RV/Trailer/Tractor Loans (2017 - 2019)rv_used_120mo9.740% APR9.740%120 mo · usedStandard

HELOC rates

1 offer
State Employees Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable6.760% APR6.760%—Standard

Personal loan rates

4 offers
State Employees Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
60-Month Share-Secured Loanpersonal_secured_60mo2.000% APR2.000%60 moStandard
Certificate-Secured Loanpersonal_secured2.000% APR2.000%—Standard
Personal Line of Creditploc_variable6.750% APR6.760%—Standard
36-Month Signature Loanpersonal_unsecured_36mo10.740% APR10.740%36 moStandard

Credit card rates

3 offers
State Employees Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Platinum Credit Cardcredit_card_platinum7.500% APR7.500%—Standard
Visa Goldcredit_card9.250% APR9.250%—Standard
Visa Classiccredit_card12.500% APR12.500%—Standard

Savings & CD rates

24 offers
State Employees Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Business Money Manager ($0 - $9,999.99)savings0.10% APY0.10%—Standard
Money Market ($0 - $9,999)money_market0.15% APY0.15%—Standard
Business Money Market ($0 - $9,999.99)money_market0.15% APY0.15%—Standard
Business Money Manager ($10,000 - $49,999.99)savings0.20% APY0.20%—Standard
Business Money Manager ($50,000 - $249,999.99)savings0.30% APY0.30%—Standard
Business Money Manager ($250,000 - $499,999.99)savings0.35% APY0.35%—Standard
Business Money Manager ($500,000 and above)savings0.45% APY0.45%—Standard
6-Month Certificateshare_certificate_6mo1.50% APY1.50%6 moStandard
12-Month Certificateshare_certificate_12mo1.65% APY1.65%12 moStandard
Money Market ($10,000–$49,999)money_market1.75% APY1.75%—Standard
Business Money Market ($10,000 - $49,999.99)money_market1.75% APY1.75%—Standard
15-Month Certificateshare_certificate_15mo2.00% APY2.00%15 moStandard
Money Market ($50,000–$249,999)money_market2.00% APY2.00%—Standard
Business Money Market ($50,000 - $249,999.99)money_market2.00% APY2.00%—Standard
Share Certificates (24 Month 1)share_certificate_24mo2.10% APY2.10%24 moStandard
Share Certificates (36 Month 1)share_certificate_36mo2.20% APY2.20%36 moStandard
Business Money Market ($250,000 - $499,999.99)money_market2.25% APY2.25%—Standard
Money Market ($250,000+)money_market2.25% APY2.25%—Standard
Share Certificates (48 Month 2)share_certificate_48mo2.30% APY2.30%48 moStandard
Share Certificates (60 Month 2)share_certificate_60mo2.40% APY2.40%60 moStandard
$100,000 Minimum Balancesavings2.45% APY2.45%—Standard
Business Money Market ($500,000 and above)money_market2.50% APY2.50%—Standard
7-Month Certificateshare_certificate_7mo3.00% APY3.00%7 moStandard
Promotional Ratecd_84mo3.99% APY3.99%84 moStandard

Other rates

6 offers
State Employees Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Money Manager ($1,000 - $9,999)other0.100% %0.100%—Standard
Money Manager ($10,000 - $24,999)other0.150% %0.150%—Standard
Money Manager ($25,000 - $49,999)other0.200% %0.200%—Standard
Money Manager (Over $50,000)other0.300% %0.300%—Standard
30 Year (Fixed)other0.983% %0.983%—Standard
30 Year With 10 Year Callother0.983% %0.983%—Standard

As of August 4, 2026, State Employees Credit Union offers a 15-year fixed mortgage at 6% APR. Vehicle loans available from 3.74% APR for 60 months. HELOC rates from 6.76% APR. Personal loan rates from 2% APR. Credit card rates from 7.5% APR. Savings and certificate yields up to 3.99% APY.

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

Latest available market position · Snapshot August 1, 2026

State Employees Credit Union statewide rate position

This dated snapshot compares the credit union's best published rate in each tracked product with other NM credit unions in the same product market. Products may age out of the current rate book until they are verified again.

Best statewide position#1 of 20Personal Loan (unsecured, best offer)
Percentile bandTop 5%among comparable NM offers
Products tracked4in this dated snapshot
Best-position spread324 bp better than state medianState market leader
Published rate position by comparable product on August 1, 2026
ProductPublished rateState rankState bestState medianPosition vs. median
New Auto Loan (best offer, cars)5.39% APR#9 of 11 · top 82%3.99%4.74%65 bp behind state median
Used Auto Loan (best offer, cars)3.24% APR#1 of 8 · top 13%3.24%5.19%195 bp better than state median
Personal Loan (unsecured, best offer)6.75% APR#1 of 20 · top 5%6.75%9.99%324 bp better than state median
12-Month CD (best APY)1.65% APY#9 of 9 · top 100%4.06%3.56%191 bp behind state median

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About State Employees Credit Union

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

Members
55.7K
Assets
$1.3B
Founded
1958
Locations reported
9
NCUA charter
65513
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • Bilingual services

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.

Del NorteMidtown Financial Center · Santa Fe · NM · 87505Branch in the same ZIPGuadalupeAdministration Office · Santa Fe · NM · 87505-2159Branch in the same ZIPNorthern New Mexico School EmployeeNorthern NM School EFCU · Santa Fe · NM · 87505Branch in the same ZIPNusendaSt Michaels · Santa Fe · NM · 87505-7617Branch in the same ZIPU.s. EagleSanta Fe Branch · Santa Fe · NM · 87505Branch in the same ZIPZiaSanta Fe Office · Santa Fe · NM · 87501-1441About 6.2 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 State Employees Credit Union

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

Community charter: live/work in Santa Fe County, San Miguel County, Sandoval County +4 more

  • LocationSanta Fe County, San Miguel County, Sandoval County, Valencia County, Rio Arriba County, Bernalillo County, Dona Ana County
  • OccupationState, City, or County employee, Employees of any publishing or printing company located in Santa Fe, Taos, and Rio Arriba counties

Cost to join: About $5.

Verified from 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 State Employees Credit Union offer?

State Employees Credit Union currently offers mortgage, vehicle loan, HELOC, 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 State Employees Credit Union rates updated?

RateAPI verifies 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 State Employees Credit Union's rate data?

Rate data is collected directly from 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 is State Employees Credit Union's mortgage rate?

As of August 4, 2026, State Employees Credit Union offers a 15-year fixed mortgage at 6% APR.

What are State Employees Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, State Employees Credit Union offers vehicle loans from 3.74% APR.

What is State Employees Credit Union's HELOC rate?

As of August 4, 2026, State Employees Credit Union offers home equity lines of credit from 6.76% APR.

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

As of August 4, 2026, State Employees Credit Union offers personal loans from 2% APR.

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

As of August 4, 2026, State Employees Credit Union offers savings and certificate (CD) yields up to 3.99% APY.

Related Rate Data

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

More New Mexico credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal 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.

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# Get rates for State Employees Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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