---
title: "State Employees Credit Union: #1 Personal Loan in New Mexico"
description: "State Employees Credit Union has the lowest tracked personal loan rate in New Mexico (7.00% APR) among 11 credit unions we verify. State Employees Credit Union rates today: 15 year fixed mortgage 6.63% APR, HELOC from 7.00% APR, savings & CDs up to 3.03% APY, personal loans from 7.00% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join State Employees Credit Union — verified membership eligibility with the requirements and cost to join."
canonical: "https://rateapi.dev/credit-unions/new-mexico/state-employees"
last-updated: "2026-11-13"
source: "https://rateapi.dev/llms.txt"
---

# State Employees Credit Union: #1 Personal Loan in New Mexico

### Mortgage rates

3 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **15-Year Fixed** 15 year fixed |  — APR |  6.630% |  — |  Standard |
| **15-Year Fixed** 15 year fixed |  6.630% APR |  6.800% |  — |  Standard |
| **30 Year (10 Year Draw)** other |  — APR |  7.000% |  — |  Standard |
State Employees Credit Union mortgage rates as of November 12, 2026

### Auto & vehicle rates

13 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **60-Month Used Auto Loan (2014 and Older)** auto_used_60mo |  — APR |  3.740% |  60 mo · used |  Standard |
| **4 Advantage+ Money Market Rate Bonus Conditions (60 Month)** auto_any_60mo |  — APR |  3.740% |  60 mo |  Standard |
| **66-Month New Auto Loan (2023–2027)** auto_new_66mo |  — APR |  5.390% |  66 mo · new |  Standard |
| **New Vehicle (Cost over $15,000)** auto_new_75mo |  — APR |  5.490% |  75 mo · new |  Standard |
| **New Vehicle (Cost over $25,000)** auto_new_84mo |  — APR |  6.290% |  84 mo · new |  Standard |
| **Used Vehicle Max Mileage 65K (2019-2022)** auto_used_84mo |  — APR |  6.430% |  84 mo · used |  Standard |
| **75-Month Used Auto Loan (2018 and Older)** auto_used_75mo |  — APR |  6.630% |  75 mo · used |  Standard |
| **New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2025-2027)** powersports_new_84mo |  — APR |  6.990% |  84 mo · new |  Standard |
| **New Motorcycles & Dirt Bikes (2025 - 2027)** motorcycle_new_84mo |  — APR |  6.990% |  84 mo · new |  Standard |
| **Used Motorcycles & Dirt Bikes (2002 - 2024)** motorcycle_used_84mo |  — APR |  7.130% |  84 mo · used |  Standard |
| **Used Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2016-2024)** powersports_used_72mo |  — APR |  7.590% |  72 mo · used |  Standard |
| **New RV/Travel and Utility Trailer Loans (2025 - 2027) (Cost over $40,000)** rv_new_180mo |  — APR |  8.490% |  180 mo · new |  Standard |
| **Used RV/Travel and Utility Trailer Loans (2016 - 2024)** rv_used_144mo |  — APR |  8.990% |  144 mo · used |  Standard |
State Employees Credit Union auto & vehicle rates as of November 12, 2026

### HELOC rates

3 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **HELOC (30 year (10 year draw))** heloc_variable |  7.000% APR |  7.011% |  — |  Standard |
| **Second Mortgage Loans (10 year - fixed)** heloc_fixed |  7.891% APR |  7.630% |  — |  Standard |
| **Second Mortgage Loans (20 year - 10 year call)** heloc_fixed |  8.537% APR |  8.380% |  — |  Standard |
State Employees Credit Union heloc rates as of November 12, 2026

### Personal loan rates

3 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **60-Month Share-Secured Loan** personal_secured_60mo |  — APR |  2.000% |  60 mo |  Standard |
| **Personal Line of Credit** ploc_variable |  7.000% APR |  7.011% |  — |  Standard |
| **36-Month Signature Loan** personal_unsecured_36mo |  — APR |  10.740% |  36 mo |  Standard |
State Employees Credit Union personal loan rates as of November 12, 2026

### Credit card rates

3 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Platinum Credit Card** credit_card_platinum |  — APR |  7.500% |  — |  Standard |
| **Visa Gold** credit_card |  — APR |  9.250% |  — |  Standard |
| **Visa Classic** credit_card |  — APR |  12.500% |  — |  Standard |
State Employees Credit Union credit card rates as of November 12, 2026

### Savings & CD rates

27 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Business Money Manager ($0 - $9,999.99)** savings |  0.10% APY |  0.10% |  — |  Eligibility restricted |
| **Business Money Market ($0 - $9,999.99)** money_market |  0.15% APY |  0.15% |  — |  Eligibility restricted |
| **Uniform Gift to Minor Account** savings |  0.15% APY |  0.15% |  — |  Eligibility restricted |
| **Money Market ($0 - $9,999)** money_market |  0.15% APY |  0.15% |  — |  Standard |
| **Business Money Manager ($10,000 - $49,999.99)** savings |  0.20% APY |  0.20% |  — |  Eligibility restricted |
| **Certificate Builder** cd |  0.30% APY |  0.30% |  — |  Standard |
| **Business Money Manager ($50,000 - $249,999.99)** savings |  0.30% APY |  0.30% |  — |  Eligibility restricted |
| **Business Money Manager ($250,000 - $499,999.99)** savings |  0.35% APY |  0.35% |  — |  Eligibility restricted |
| **Business Money Manager ($500,000 and above)** savings |  0.45% APY |  0.45% |  — |  Eligibility restricted |
| **6-Month Certificate** share_certificate_6mo |  1.51% APY |  1.50% |  6 mo |  Standard |
| **12-Month Certificate** share_certificate_12mo |  1.66% APY |  1.65% |  12 mo |  Standard |
| **Business Money Market ($10,000 - $49,999.99)** money_market |  1.75% APY |  1.75% |  — |  Eligibility restricted |
| **Money Market ($10,000–$49,999)** money_market |  1.75% APY |  1.75% |  — |  Standard |
| **Money Market ($50,000–$249,999)** money_market |  2.00% APY |  2.00% |  — |  Standard |
| **Business Money Market ($50,000 - $249,999.99)** money_market |  2.00% APY |  2.00% |  — |  Eligibility restricted |
| **15-Month Certificate** share_certificate_15mo |  2.02% APY |  2.00% |  15 mo |  Standard |
| **Share Certificates (24 Month 1)** share_certificate_24mo |  2.12% APY |  2.10% |  24 mo |  Standard |
| **Share Certificates (36 Month 1)** share_certificate_36mo |  2.22% APY |  2.20% |  36 mo |  Standard |
| **Business Money Market ($250,000 - $499,999.99)** money_market |  2.25% APY |  2.25% |  — |  Eligibility restricted |
| **Money Market ($250,000+)** money_market |  2.25% APY |  2.25% |  — |  Standard |
| **Share Certificates (48 Month 2)** share_certificate_48mo |  2.32% APY |  2.30% |  48 mo |  Standard |
| **Share Certificates (60 Month 2)** share_certificate_60mo |  2.42% APY |  2.40% |  60 mo |  Standard |
| **$100,000 Minimum Balance** savings |  2.50% APY |  3.00% |  — |  Standard |
| **Business Money Market ($500,000 and above)** money_market |  2.50% APY |  2.50% |  — |  Eligibility restricted |
| **4 Advantage+ Money Market Rate Bonus Conditions (75 Month)** money_market |  — APY |  2.99% |  75 mo |  Standard |
| **7-Month Certificate** share_certificate_7mo |  3.03% APY |  3.00% |  7 mo |  Standard |
| **4 Advantage+ Money Market Rate Bonus Conditions (84 Month)** money_market |  — APY |  3.09% |  84 mo |  Standard |
State Employees Credit Union savings & cd rates as of November 12, 2026

### Other rates

4 offers

| Product |  Published |  Rate |  Term / condition |  Status |
| **Money Manager ($1,000 - $9,999)** other |  0.100% % |  0.100% |  — |  Standard |
| **Money Manager ($10,000 - $24,999)** other |  0.150% % |  0.150% |  — |  Standard |
| **Money Manager ($25,000 - $49,999)** other |  0.200% % |  0.200% |  — |  Standard |
| **Money Manager (Over $50,000)** other |  0.300% % |  0.300% |  — |  Standard |
State Employees Credit Union other rates as of November 12, 2026

As of November 12, 2026, State Employees Credit Union offers a 15-year fixed mortgage at 6.63% APR. HELOC rates from 7% APR. Personal loan rates from 7% APR. Savings and certificate yields up to 3.03% APY.

> Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-mexico/state-employees) , verified from [State Employees Credit Union's official website](https://www.secunm.org/)

Best product position **#1 of 11** personal loan

Gap to state best **0 bp** State market leader

Vs. state median **337 bp better than median** personal loan

Products ranked **1** across tracked New Mexico markets

| Product |  Published APR |  Position |  Vs. state best |  Vs. state median |
| personal loan |  7.00% |  #1 of 11 · lowest in New Mexico |  State market leader |  337 bp better than median |
Published rate position by product as of November 13, 2026

This is the public snapshot. Claim State Employees 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&state=new-mexico&code=NM&name=State%20Employees%20Credit%20Union)

Loading branch locator…

## About State Employees Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members

55.7K

Assets

$1.3B

Founded

1958

Locations reported

9

NCUA charter

65513

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
- Bilingual services

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.

[**Guadalupe** Administration Office · Santa Fe · NM · 87505-2159 About 5.5 miles away](https://rateapi.dev/credit-unions/new-mexico/guadalupe) [**Del Norte** Midtown Financial Center · Santa Fe · NM · 87505 About 5.8 miles away](https://rateapi.dev/credit-unions/new-mexico/del-norte) [**Northern New Mexico School Employee** Northern NM School EFCU · Santa Fe · NM · 87505 About 5.9 miles away](https://rateapi.dev/credit-unions/new-mexico/northern-new-mexico-school-employee) [**U.s. Eagle** Santa Fe Branch · Santa Fe · NM · 87505 About 5.9 miles away](https://rateapi.dev/credit-unions/new-mexico/us-eagle) [**Nusenda** St Michaels · Santa Fe · NM · 87505-7617 About 6.6 miles away](https://rateapi.dev/credit-unions/new-mexico/nusenda) [**Zia** Santa Fe Office · Santa Fe · NM · 87501-1441 About 6.8 miles away](https://rateapi.dev/credit-unions/new-mexico/zia)

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](https://rateapi.dev/eligibility-methodology) .

Membership criteria are published on State Employees Credit Union's website. Check the membership page below to confirm whether you qualify.

- Location santa fe, san miguel, sandoval, valencia, rio arriba, bernalillo — NM
- Employer State, City, or County

Verified from [State Employees Credit Union's membership page](https://www.secunm.org/about/membership/become-a-member.html) . Final membership determination is always made by the credit union.

## Membership rules for State Employees Credit Union

Geography 6 counties · Employers · Family

26 published paths to membership, last verified November 8, 2026, quoted from State Employees Credit Union’s own published criteria.

### Geography 6

Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026

- Bernalillo County, NM
- Rio Arriba County, NM
- San Miguel County, NM
- Sandoval County, NM
- Santa Fe County, NM
- Valencia County, NM

“Anyone that lives, works, worships, or attends school in these 7 Counties: Santa Fe County San Miguel County Sandoval County Valencia County Rio Arriba County Bernalillo County Dona Ana County”

> [source ↗](https://www.secunm.org/about/membership/become-a-member.html)

### Employers 1

Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026

  - Employee of State, City, or County

“Any State, City, or County employee, as well as contracted employees, vendors, etc. of these entities.”

> [source ↗](https://www.secunm.org/about/membership/become-a-member.html)

- Employee of State, City, or County

### Family 1

Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026

  - Family of a member family

“Family members of current Members may also join.”

> [source ↗](https://www.secunm.org/about/membership/become-a-member.html)

- Family member (family) of a member

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 Credit Union? Yes No

## 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 New Mexico peers.

- See which AI assistants fetched State Employees Credit Union’s rates, and how often
- See which of your products the RateAPI API returned, and where you rank in New Mexico
- Correct anything we publish about you that is wrong

[Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=state-employees&state=new-mexico&code=NM&name=State%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions)

## Frequently Asked Questions

### What rates does State Employees Credit Union offer?

State Employees Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 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 November 12, 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 November 12, 2026, State Employees Credit Union offers a 15-year fixed mortgage at 6.63% APR.

### What is State Employees Credit Union's HELOC rate?

As of November 12, 2026, State Employees Credit Union offers home equity lines of credit from 7% APR.

### What is State Employees Credit Union's personal loan rate?

As of November 12, 2026, State Employees Credit Union offers personal loans from 7% APR.

### What is State Employees Credit Union's best CD rate?

As of November 12, 2026, State Employees Credit Union offers savings and certificate (CD) yields up to 3.03% APY.

### Who can join State Employees Credit Union?

State Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 26 published membership paths covering 6 counties and 1 employer for State Employees Credit Union, each quoted from State Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify.

## Related Rate Data

Compare State Employees Credit Union's rates against national credit-union benchmarks.

[More New Mexico credit unions](https://rateapi.dev/credit-unions/new-mexico) [New Mexico mortgage rate leaders](https://rateapi.dev/mortgage-rates/new-mexico) [New Mexico auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-mexico) [New Mexico HELOC rate leaders](https://rateapi.dev/heloc-rates/new-mexico) [New Mexico personal loan leaders](https://rateapi.dev/personal-loan-rates/new-mexico) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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://www.secunm.org/)

### 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 Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when New Mexico 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 Credit Union
curl "https://api.rateapi.dev/credit-unions/new-mexico /state-employees " \
  -H "Authorization : Bearer YOUR_API_KEY"
```

[Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp)

Branch locator

## State Employees Credit Union locations

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---

Source: https://rateapi.dev/credit-unions/new-mexico/state-employees
Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp