STECU’s focus is on offering the right products and services to the members, as well as educating the customers on financial services. It offers a highly credible CD term that stands extraordinary to create a focused horizon for a stable return.

To provide you with the most authentic overview, here is the detailed overview stated next about; State Employee’s Credit Union CD Rates.

State Employee’s Credit Union CD Rates

6 Months CD Term

  • Minimum Opening Deposit: $250.00
  • Interest Rate: 4.50%
  • APY: 4.50%
  • Consideration: If you may need access to funds sooner, a shorter-term CD might be more appropriate.

Pros & Cons

Short-term commitmentLower interest rate compared to longer terms

12 Months CD Term

  • Minimum Opening Deposit: $250.00
  • Interest Rate: 5.10%
  • APY: 5.10%
  • Consideration: Considered a standard term for those seeking a balance between yield and commitment.

Pros & Cons

Balanced durationModerate interest rate compared to longer terms

18 Months CD Term

  • Minimum Opening Deposit: $250.00
  • Interest Rate: 4.75%
  • APY: 4.75%
  • Consideration: This may appeal to investors seeking a balance between short and long-term gains.

Pros & Cons

Intermediate commitmentSlightly lower interest rate compared to shorter terms

24 Months CD Term

  • Minimum Opening Deposit: $250.00
  • Interest Rate: 4.30%
  • APY: 4.30%
  • Consideration: Investors seeking a stable, mid-term investment might find this option appealing.

Pros & Cons

Stable interest rate over 24 monthsLimited liquidity for a longer period

36 Months CD Term

  • Minimum Opening Deposit: $250.00
  • Interest Rate: 3.10%
  • APY: 3.10%
  • Consideration: Investors looking for a more conservative, long-term option may find this suitable.

Pros & Cons

Stable, conservative optionLimited access

60 Months CD Term

  • Minimum Opening Deposit: $250.00
  • Interest Rate: 3.50%
  • APY: 3.50%
  • Consideration: Best suited for individuals with a long-term financial strategy and less concern about immediate access to funds.

Pros & Cons

Moderate interest rate for a 60-month commitmentRestricted access to funds for an extended period

How do State Employee’s Credit Union CD Rates Compare?

In comparing the CD offerings from various financial institutions, it’s evident that each option comes with its own set of terms, minimum deposit requirements, and annual percentage yields

Financial InstitutionAPYMin. DepositTerm
CIBC Bank USA5.66%$1,0001 yr
Boeing Employees Credit Union5.00%$50012-17 mo
BMO Alto5.15%$01 yr
LendingClub5.15%$2,5001 yr
Popular Direct5.30%$10,0001 yr
Synchrony Bank4.90%$015 mo

When considering State Employee’s Credit Union CD rates, a comprehensive comparison should weigh the terms, minimum deposits, and APYs to determine the most suitable option based on individual financial goals and preferences.

Overview State Employee’s Credit Union 

State Employee’s Credit Union cares about the community and state we serve. Our contributions are focused on the community and environment, including our Bluebird houses which are dedicated to helping preserve native bird populations. 

We have sold over 240,000 of our Bluebird Houses.

We also founded our own State Employee’s Foundation, which directs funds and volunteers to campaigns for housing, education, health care, and human services, all of which are essential in our community, especially in our areas of expertise with financial education.

Finally, we enjoy helping with the March of Dimes. We raised over $60,000 to support babies who were born too soon, too small, or had other health issues.

Our goal is to help you finance the things that matter to you, from your transportation in a vehicle, your home remodeling, paying off debt, and saving for school or retirement. 

Long-term planning is key and our bankers can help you decide what you need to achieve your goals. We know that your success is key to our community and our growth.


You’ll need to open a State Employee’s Credit Union membership with a savings or checking account to open your certificate of deposit. Better yet, your interest earned will be deposited directly into your savings or checking.

Locations State Employee’s Credit Union 

STECU offers a vast number of locations within North Carolina – 275 locations to be exact, so we are ready to serve you regardless of where you are in the state.

Frequently Asked Questions

Are there any penalties for early withdrawal from a State Employee’s Credit Union CD?

Yes, State Employee’s Credit Union imposes penalties for early withdrawal from their CDs. The penalty amount may vary depending on the CD term. 

Can I access my State Employee’s Credit Union CD account online?

Yes, State Employee’s Credit Union provides online banking services, allowing members to access and manage their CD accounts conveniently. Through the online platform, members can check account balances, review transaction history, and perform other banking activities related to their CD accounts.

What is the minimum deposit for State Employee’s Credit Union’s CDs compared to other institutions?

State Employee’s Credit Union has varying minimum deposit requirements based on CD terms. In contrast, BMO Alto stands out by offering a 1-year CD with no minimum deposit, providing a flexible option for those seeking to invest without a specific initial amount.

What is the difference between APY and interest rate on a CD?

The Annual Percentage Yield reflects the total interest earned on a CD, including compound interest. The interest rate, on the other hand, represents the simple interest paid on the principal.