Certificate of Deposit Features Guide
    
			
                  
                | Interest Rate | 
              
                | APY | 3.80% | 
                              
                  | Term Length | 48 Month | 
                            
                | Minimum Deposit Amount | $250.00 | 
              
                | Maximum Deposit Amount | N/A | 
                  
			
					| Balance Requirements | 
				
					| Minimum Opening Deposit | $250.00 | 
        
          | Minimum Balance to Avoid Fees | - | 
				
					| Minimum Required Balance | - | 
			
					| Fees | 
        
         | Early Withdrawal Penalty | N/A | 
				   
					  | Monthly Maintenance Fee | N/A | 
				
					| Foreign ATM Fees | N/A | 
				
					| Insufficient Funds Fee | N/A | 
        
          | Incoming Wires | N/A | 
        
              | Account Opening | 
            
              | Open Online | Yes | 
            
              | Insured by | N.C.U.A. | 
		
					| Statements | 
				
					| Paper Statements | Yes | 
				
					| Online Statements | Yes | 
		
					| Online and Telephone Banking | 
				
					| Online Banking | Yes | 
				
					| Telephone Banking | Yes | 
				
					| Mobile Banking | Yes | 
				
					| Deposit Checks with Mobile Device | Yes | 
				
					| Free Bill Pay | × | 
    
      | Online Bill Payments Required | × | 
			
		
    Account Description
 
 
  
  Rate History
  
  
  
     
       
  
    
      
        | Date | APY | 
    
    
      
      
        | September 18, 2025 | 3.80% | 
      
      
        | February 03, 2025 | 3.75% | 
      
      
        | December 09, 2024 | 3.20% | 
      
      
        | November 04, 2024 | 3.50% | 
      
      
        | August 19, 2023 | 3.20% | 
              
    
   
     
       
  
  
 
  
  
    
Customer Reviews for State Employees' Credit Union 
  
    
   
 
   
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