Rates updated · 71 banks tracked
State Employees' Credit Union CD rates: 4.30% APY best term
State Employees' Credit Union’s best tracked CD pays 4.30% across 6 terms — ranking in the upper half of the 71 banks SwitchWize tracks CD rates for, where the best available rate is 5.00%. (Updated October 31, 2026.)
State Employees' Credit Union CD rates today, by term
| Term | APY |
|---|---|
| 6 months | 3.85% |
| 1 year | 4.00% |
| 18 months | 4.30%Best |
| 2 years | 4.30%Best |
| 3 years | 4.00% |
| 5 years | 4.00% |
Is State Employees' Credit Union a good CD rate? Not really. At 4.30% its best CD trails the 5.00% best available tracked rate, leaving about $175 a year on the table on a $25,000 deposit.
The gap, in your dollars
At 4.30%, $25,000 earns $1,075/yr here versus $1,250/yr at the field leader — a $175/yr difference.
See your exact number →Higher-paying CD alternatives we track
Rates subject to change. Verify before opening a CD.
Frequently asked questions
What is State Employees' Credit Union's best CD rate?▾
State Employees' Credit Union's best tracked CD rate is 4.30% APY as of October 31, 2026, across 6 terms SwitchWize tracks for this bank.
Is State Employees' Credit Union's CD rate good?▾
State Employees' Credit Union's best CD rate ranks in the upper half of tracked banks. The best available tracked rate is 5.00% and the FDIC national savings average is 0.38%.
Which banks pay more than State Employees' Credit Union on CDs?▾
Higher-paying tracked options include everbank, salem five, webbank. Compare rates at /cds to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.