State Employees' Credit Union
Verified rate book
Current State Employees' Credit Union rates
5 published offers verified as of August 4, 2026.
Awaiting fresh data: auto rates, HELOC rates & personal loan rates appeared in the latest dated market snapshot, but those rows are outside the current serving window. We do not present stale figures as current rates.
Mortgage rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.073% APR | 6.000% | — | Standard |
| 15-Year Fixed15 year fixed | 5.244% APR | 5.125% | — | Standard |
| 10-Year Fixed10 year fixed | 5.094% APR | 4.925% | — | Standard |
| 5/5 ARM 80% LTV or Less (Up to 30 YR Term)5 5 arm | 5.705% APR | 5.250% | — | Standard |
| 20-Year Fixed20 year fixed | 5.796% APR | 5.700% | — | Standard |
As of August 4, 2026, State Employees' Credit Union offers a 30-year fixed mortgage at 6.073% APR.
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 NC credit unions in the same product market. Products may age out of the current rate book until they are verified again.
| Product | Published rate | State rank | State best | State median | Position vs. median |
|---|---|---|---|---|---|
| 30-Year Fixed Mortgage (purchase) | 6.07% APR | #1 of 13 · top 8% | 6.07% | 6.41% | 34 bp better than state median |
| New Auto Loan (best offer, cars) | 3.75% APR | #2 of 21 · top 10% | 3.65% | 4.49% | 74 bp better than state median |
| Used Auto Loan (best offer, cars) | 4.50% APR | #3 of 21 · top 15% | 3.99% | 4.99% | 49 bp better than state median |
| HELOC (best offer) | 6.25% APR | #5 of 17 · top 30% | 3.50% | 6.65% | 40 bp better than state median |
| Personal Loan (unsecured, best offer) | 9.00% APR | #15 of 35 · top 43% | 4.85% | 9.74% | 74 bp better than state median |
Loading branch locator…
About State Employees' Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 3M
- Assets
- $59.8B
- Founded
- 1937
- Locations reported
- 286
- NCUA charter
- 66310
- 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
- First-time homebuyer program
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.
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.
Membership via employers (Employees of the state of North Carolina +4 more) or the State Employees Association of North Carolina
- EmployerEmployees of the state of North Carolina, Employees of North Carolina public boards of education, Employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense, North Carolina National Guard, Blue Cross Blue Shield of North Carolina, Inc.
- AssociationState Employees Association of North Carolina
Cost to join: About $25.
Verified from State Employees' Credit Union's membership page. Final membership determination is always made by the credit union.
Work at State 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 Employees' Credit Union ranks against North Carolina peers.
Frequently Asked Questions
What rates does State Employees' Credit Union offer?
State Employees' Credit Union currently offers mortgage 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 30-year fixed mortgage at 6.073% APR.
Related Rate Data
Compare State Employees' Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack State Employees' Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for State Employees' Credit Union
curl "https://api.rateapi.dev/credit-unions/north-carolina/state-employees" \
-H "Authorization: Bearer YOUR_API_KEY"