--- title: "State Employees Community Credit Union Rates (Nov 2026): Auto 5.50%" description: "State Employees Community Credit Union has the lowest tracked personal loan rate in Illinois (2.05% APR) among 52 credit unions we verify. State Employees Community Credit Union rates today: auto loans from 5.50% APR, savings & CDs up to 2.35% APY, personal loans from 2.05% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join State Employees Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/state-employees-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # State Employees Community Credit Union Rates (Nov 2026): Auto 5.50% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Used Auto Loan 7 Years or Older** auto_used | 5.500% APR | 5.500% | used | Standard | State Employees Community Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Share-Secured Loan** personal_secured | 2.050% APR | 2.050% | — | Standard | | **Christmas Loan** personal | 8.000% APR | 8.000% | — | Standard | | **Cosigner Loan** personal | 9.900% APR | 9.900% | — | Standard | | **Signature Loan** personal_unsecured | 9.900% APR | 9.900% | — | Standard | State Employees Community Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 7 offers | Product | Published | Rate | Term / condition | Status | | **6-Month Certificate** cd_6mo | 1.15% APY | 1.15% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 1.65% APY | 1.65% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | 1.85% APY | 1.85% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | 1.90% APY | 1.90% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | 2.05% APY | 2.05% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | 2.10% APY | 2.10% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 2.35% APY | 2.35% | 60 mo | Standard | State Employees Community Credit Union savings & cd rates as of November 13, 2026 Auto loans available from 5.5% APR. Personal loan rates from 2.05% APR. Savings and certificate yields up to 2.35% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/state-employees-community) , verified from [State Employees Community Credit Union's official website](https://stateemployeescu.virtualcu.net/) Best product position **#1 of 52** personal loan Gap to state best **0 bp** State market leader Vs. state median **770 bp better than median** personal loan Products ranked **2** across tracked Illinois markets | Product | Published APR | Position | Vs. state best | Vs. state median | | used-car loan | 5.50% | Better than the Illinois median | 135 bp from state best | 50 bp better than median | | personal loan | 2.05% | #1 of 52 · lowest in Illinois | State market leader | 770 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim State Employees Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=state-employees-community&state=illinois&code=IL&name=State%20Employees%20Community%20Credit%20Union) Loading branch locator… ## About State Employees Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1K Assets $6.6M Founded 1952 Locations reported 1 NCUA charter 65259 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Financial counseling Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Revity** Alton Branch · Alton · IL · 62002 About 1.1 miles away](https://rateapi.dev/credit-unions/illinois/revity) [**1st Midamerica** College Office · Alton · IL · 62002 About 2.4 miles away](https://rateapi.dev/credit-unions/illinois/1st-midamerica) [**Alton Municipal Employees** Alton municipal employees fcu · Alton · IL · 62002-4750 About 2.4 miles away](https://rateapi.dev/credit-unions/illinois/alton-municipal-employees) [**Altonized Community** ALTONIZED COMMUNITY FEDERAL CREDIT UNION · ALTON · IL · 62002-5916 About 2.7 miles away](https://rateapi.dev/credit-unions/illinois/altonized-community) [**Citizens Equity First** Godfrey Member Center · Godfrey · IL · 62035 About 3.2 miles away](https://rateapi.dev/credit-unions/illinois/citizens-equity-first) [**B.e.a.** BEA Credit Union · Bethalto · IL · 62010 About 4.6 miles away](https://rateapi.dev/credit-unions/illinois/bea) 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 Community Credit Union Membership eligibility from State Employees Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on State Employees Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location IL - Employer State of Illinois Verified from [State Employees Community Credit Union's membership page](https://stateemployeescu.virtualcu.net/membership/) . Final membership determination is always made by the credit union. ## Membership rules for State Employees Community Credit Union Geography 16 · Employers 2 · Family 19 published paths to membership, last verified November 8, 2026, quoted from State Employees Community Credit Union’s own published criteria. ### Geography 8 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Alton, IL - Bethalto, IL - East Alton, IL - Godfrey, IL - Hartford, IL - Moro, IL - Roxana, IL - Wood River, IL “Membership is open to Non-State employees who either live or work in the following cities of Madison County, Illinois: Alton Bethalto Cottage Hills Dorsey East Alton Fosterburg Godfrey Hartford Meadowbrook Midway Moro Roxana Wood River” > [source ↗](https://stateemployeescu.virtualcu.net/membership/) ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of State of Illinois - Works in state:IL “Membership is open to State of Illinois employees, retirees, and their immediate family members who either live or work in the following counties if Illinois: Jersey Macoupin Madison St. Clair” > [source ↗](https://stateemployeescu.virtualcu.net/membership/) - Employee of State of Illinois and Works in IL - Retired employee of State of Illinois - Works in state:IL “Membership is open to State of Illinois employees, retirees, and their immediate family members who either live or work in the following counties if Illinois: Jersey Macoupin Madison St. Clair” > [source ↗](https://stateemployeescu.virtualcu.net/membership/) - Retiree of State of Illinois and Works in IL ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of someone eligible immediate family “Membership is open to State of Illinois employees, retirees, and their immediate family members who either live or work in the following counties if Illinois: Jersey Macoupin Madison St. Clair” > [source ↗](https://stateemployeescu.virtualcu.net/membership/) - Family member (immediate family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for State Employees Community Credit Union? Yes No ## Work at State Employees Community 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 Community Credit Union ranks against Illinois peers. - See which AI assistants fetched State Employees Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=state-employees-community&state=illinois&code=IL&name=State%20Employees%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does State Employees Community Credit Union offer? State Employees Community Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are State Employees Community Credit Union rates updated? RateAPI verifies State Employees Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get State Employees Community Credit Union's rate data? Rate data is collected directly from State Employees Community 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 Employees Community Credit Union's auto loan rates? As of November 13, 2026, State Employees Community Credit Union offers auto loans from 5.5% APR. ### What is State Employees Community Credit Union's personal loan rate? As of November 13, 2026, State Employees Community Credit Union offers personal loans from 2.05% APR. ### What is State Employees Community Credit Union's best CD rate? As of November 13, 2026, State Employees Community Credit Union offers savings and certificate (CD) yields up to 2.35% APY. ### Who can join State Employees Community Credit Union? State Employees Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 19 published membership paths covering 16 geographic areas and 2 employers for State Employees Community Credit Union, each quoted from State Employees Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare State Employees Community Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://stateemployeescu.virtualcu.net/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track State Employees Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for State Employees Community Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /state-employees-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## State Employees Community Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/state-employees-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp