State CS Employees Credit Union

Watertown, New York
Last verified: August 3, 2026
Work at State CS Employees Credit Union? Claim this profile →

Verified rate book

Current State CS Employees Credit Union rates

32 published offers verified as of August 3, 2026.

How we verify rates

Auto & vehicle rates

11 offers
State CS Employees Credit Union auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.490% APR4.490%—Standard
Auto & Motorcycle Loanmotorcycle_any_36mo4.490% APR4.490%36 moStandard
Auto & Motorcycle Loanmotorcycle_any_48mo4.740% APR4.740%48 moStandard
Auto & Motorcycle Loanmotorcycle_any_60mo4.990% APR4.990%60 moStandard
Auto & Motorcycle Loanmotorcycle_any_72mo5.240% APR5.240%72 moStandard
Auto & Motorcycle Loanmotorcycle_any_84mo5.740% APR5.740%84 moStandard
Specialty Vehicle Loanauto_any_36mo6.240% APR6.240%36 moStandard
Specialty Vehicle Loanauto_any_60mo6.490% APR6.490%60 moStandard
Specialty Vehicle Loanauto_any_84mo6.990% APR6.990%84 moStandard
Specialty Vehicle Loanauto_any_120mo7.240% APR7.240%120 moStandard
Specialty Vehicle Loanauto_any_180mo7.490% APR7.490%180 moStandard

HELOC rates

2 offers
State CS Employees Credit Union heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Fixed-Rate Conversion Loanheloc_fixed5.250% APR5.250%—Standard
Home Equity Fixed-Rate Conversionheloc_fixed5.250% APR5.250%—Standard

Personal loan rates

6 offers
State CS Employees Credit Union personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Unsecured Personal Loanpersonal_unsecured8.240% APR8.240%—Standard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo8.240% APR8.240%36 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo8.490% APR8.490%60 moStandard
72-Month Unsecured Personal Loanpersonal_unsecured_72mo8.990% APR8.990%72 moStandard
No Credit Check Loanpersonal_unsecured_12mo12.990% APR12.990%12 moStandard
12-Month Credit Builder Loanpersonal_unsecured_12mo14.000% APR14.000%12 moStandard

Savings & CD rates

13 offers
State CS Employees Credit Union savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Savingssavings0.10% APY0.10%—Standard
Savingssavings0.25% APY0.25%—Standard
Savingssavings0.30% APY0.30%—Standard
Savingssavings0.40% APY0.40%—Standard
Money Marketmoney_market1.65% APY1.64%—Standard
Money Marketmoney_market1.90% APY1.89%—Standard
Money Marketmoney_market2.15% APY2.15%—Standard
Money Marketmoney_market2.15% APY2.13%—Standard
Lucky Savers (12 Month)cd_12mo3.50% APY3.45%12 moStandard
12-Month Certificateshare_certificate_12mo3.75% APY3.69%12 moStandard
24-Month Certificateshare_certificate_24mo3.75% APY3.69%24 moStandard
Certificatecd4.00% APY4.00%—Standard
6-Month Certificateshare_certificate_6mo4.00% APY3.93%6 moStandard

Vehicle loans available from 4.49% APR. HELOC rates from 5.25% APR. Personal loan rates from 8.24% APR. Savings and certificate yields up to 4.00% APY.

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

Loading branch locator…

About State CS Employees Credit Union

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

Members
2.9K
Assets
$48.7M
Founded
1964
Locations reported
2
NCUA charter
16207
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial counseling
  • Financial education
  • Student scholarships

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.

AmericuWatertown · Watertown · NY · 13601-2345Branch in the same ZIPNorthernCorporate Office · Watertown · NY · 13601-1958Branch in the same ZIPSea CommBranch - Watertown · Watertown · NY · 13601Branch in the same ZIPWatertown Postal232 COMMERCE PK DR WATERTOWN NY 13601 · WATERTOWN · NY · 13601Branch in the same ZIPNavy Federal Credit UnionEvans Mills NY · Evans Mills · NY · 13637About 9.9 miles awayRTLyons Falls Branch · Lyons Falls · NY · 13368About 36.5 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 CS Employees Credit Union

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

Membership criteria are published on State CS Employees Credit Union's website. Check the membership page below to confirm whether you qualify.

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

Work at State CS Employees Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where State CS Employees Credit Union ranks against New York peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does State CS Employees Credit Union offer?

State CS Employees Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are State CS Employees Credit Union rates updated?

RateAPI verifies State CS Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

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

Rate data is collected directly from State CS 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 State CS Employees Credit Union's auto & motorcycle loan rates?

As of August 3, 2026, State CS Employees Credit Union offers vehicle loans from 4.49% APR.

What is State CS Employees Credit Union's HELOC rate?

As of August 3, 2026, State CS Employees Credit Union offers home equity lines of credit from 5.25% APR.

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

As of August 3, 2026, State CS Employees Credit Union offers personal loans from 8.24% APR.

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

As of August 3, 2026, State CS Employees Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

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

More New York credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan 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.

View Original Source

Methodology

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

View Methodology

Track State CS Employees Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for State CS Employees Credit Union
curl "https://api.rateapi.dev/credit-unions/new-york/state-cs-employees" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude