--- title: "State CS Employees Credit Union Rates (Nov 2026): CDs to 4.55%" description: "State CS Employees Credit Union rates today: savings & CDs up to 4.55% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join State CS Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/state-cs-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # State CS Employees Credit Union Rates (Nov 2026): CDs to 4.55% ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Auto & Motorcycle Loan Rates (up to 36 months)** motorcycle_any_36mo | — APR | 4.740% | 36 mo | Standard | | **Auto & Motorcycle Loan Rates (up to 48 months)** motorcycle_any_48mo | — APR | 4.990% | 48 mo | Standard | | **Auto & Motorcycle Loan Rates (up to 60 months)** motorcycle_any_60mo | — APR | 5.240% | 60 mo | Standard | | **Auto & Motorcycle Loan Rates (up to 72 months)** motorcycle_any_72mo | — APR | 5.490% | 72 mo | Standard | | **Auto & Motorcycle Loan Rates (up to 84 months)** motorcycle_any_84mo | — APR | 5.990% | 84 mo | Standard | | **Specialty Vehicle Loans (Boat, RV, Camper, ATV, etc.) (up to 36 months)** boat_any_36mo | — APR | 6.490% | 36 mo | Standard | | **Specialty Vehicle Loans (Boat, RV, Camper, ATV, etc.) (up to 60 months)** boat_any_60mo | — APR | 6.740% | 60 mo | Standard | | **Specialty Vehicle Loans (Boat, RV, Camper, ATV, etc.) (up to 84 months)** boat_any_84mo | — APR | 7.240% | 84 mo | Standard | | **Specialty Vehicle Loans (Boat, RV, Camper, ATV, etc.) (up to 120 months)** boat_any_120mo | — APR | 7.490% | 120 mo | Standard | | **Specialty Vehicle Loans (Boat, RV, Camper, ATV, etc.) (up to 180 months)** boat_any_180mo | — APR | 7.740% | 180 mo | Standard | State CS Employees Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 8 offers | Product | Published | Rate | Term / condition | Status | | **Home Equity Conversion Rates (up to 84 months)** heloc | — APR | 5.250% | — | Standard | | **Home Equity Fixed-Rate Conversion (up to 60 months)** heloc_fixed | — APR | 5.250% | — | Standard | | **Home Equity Conversion Rates (up to 60 months)** heloc | — APR | 5.250% | — | Standard | | **Home Equity Fixed-Rate Conversion (up to 84 months)** heloc_fixed | — APR | 5.250% | — | Standard | | **Home Equity Conversion Rates (up to 120 months)** heloc | — APR | 5.500% | — | Standard | | **Home Equity Fixed-Rate Conversion (up to 120 months)** heloc_fixed | — APR | 5.500% | — | Standard | | **Home Equity Fixed-Rate Conversion (up to 180 months)** heloc_fixed | — APR | 5.750% | — | Standard | | **Home Equity Conversion Rates (up to 180 months)** heloc | — APR | 5.750% | — | Standard | State CS Employees Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 7 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 7.990% | — | Standard | | **18-Month Unsecured Personal Loan** personal_unsecured_18mo | — APR | 7.990% | 18 mo | Standard | | **Up to 36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 8.490% | 36 mo | Standard | | **Up to 48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 8.490% | 48 mo | Standard | | **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 8.740% | 60 mo | Standard | | **Up to 72-Month Unsecured Personal Loan** personal_unsecured_72mo | — APR | 9.240% | 72 mo | Standard | | **No Credit Check Loan Rates (12 months)** personal_unsecured_12mo | — APR | 12.990% | 12 mo | Standard | State CS Employees Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 18 offers | Product | Published | Rate | Term / condition | Status | | **Savings** savings | — APY | 0.10% | — | Standard | | **Savings ($50–$4,999.99)** savings | — APY | 0.10% | — | Standard | | **Savings ($5,000–$9,999.99)** savings | — APY | 0.25% | — | Standard | | **Savings ($10,000–$19,999.99)** savings | — APY | 0.30% | — | Standard | | **Savings ($20,000+)** savings | — APY | 0.40% | — | Standard | | **Money Market ($2,500–$24,999.99)** money_market | — APY | 1.87% | — | Standard | | **$2,500.00 To $24,999.99** savings | — APY | 1.87% | — | Standard | | **Money Market ($25,000–$74,999.99)** money_market | — APY | 2.13% | — | Standard | | **$25,000.00 To $74,999.99** savings | — APY | 2.13% | — | Standard | | **$75,000.00 And Over** savings | — APY | 2.38% | — | Standard | | **Money Market ($75,000+)** money_market | — APY | 2.38% | — | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 4.17% | 24 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 4.25% APY | 4.17% | 24 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 4.46% | 6 mo | Standard | | **Share Certificates (Lucky Savers (12 Month))** share_certificate_12mo | — APY | 4.46% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 4.55% APY | 4.46% | 12 mo | Standard | | **Lucky Savers (12 Month)** cd_12mo | 4.55% APY | 4.46% | 12 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 4.55% APY | 4.46% | 6 mo | Standard | State CS Employees Credit Union savings & cd rates as of November 12, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **No Credit Check Loan (12 months)** other | — % | 12.990% | — | Standard | | **2nd Loan - $1,000** other | — % | 14.000% | — | Standard | | **1st Loan - $500** other | — % | 16.000% | — | Standard | State CS Employees Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.55% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/state-cs-employees) , verified from [State CS Employees Credit Union's official website](https://statecs.org/) Loading branch locator… ## About State CS Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.9K Assets $48.7M Founded 1964 Locations reported 2 NCUA charter 16207 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Financial education - Student scholarships 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. [**Northern** Factory Branch · Watertown · NY · 13601-1958 About 0.4 miles away](https://rateapi.dev/credit-unions/new-york/northern) [**Americu** Watertown · Watertown · NY · 13601-2345 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/americu) [**Watertown Postal** 232 COMMERCE PK DR WATERTOWN NY 13601 · WATERTOWN · NY · 13601 About 1.7 miles away](https://rateapi.dev/credit-unions/new-york/watertown-postal) [**Sea Comm** Branch - Watertown · Watertown · NY · 13601 About 2.5 miles away](https://rateapi.dev/credit-unions/new-york/sea-comm) [**Navy Federal Credit Union** Evans Mills NY · Evans Mills · NY · 13637 About 6.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**RT** Lyons Falls Branch · Lyons Falls · NY · 13368 About 36.1 miles away](https://rateapi.dev/credit-unions/new-york/rt) 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 CS Employees Credit Union Membership eligibility from State CS Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on State CS Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer New York State Civil Service, City of Watertown, Watertown City School District, New York State Civil Service, City of Watertown, or Watertown City School District Verified from [State CS Employees Credit Union's membership page](https://statecs.org/about/join/) . Final membership determination is always made by the credit union. ## Membership rules for State CS Employees Credit Union Employers 4 · Family 5 published paths to membership, last verified August 21, 2026, quoted from State CS Employees Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of New York State Civil Service “You are eligible to join State CS Employees FCU if you live or work in Jefferson, Lewis, St. Lawrence, Clinton or Franklin county NY, and meet one of the following criteria: New York State Civil Service Employee” > [source ↗](https://statecs.org/about/join/) - Employee of New York State Civil Service - Employee of City of Watertown “City of Watertown Employee” > [source ↗](https://statecs.org/about/join/) - Employee of City of Watertown - Employee of Watertown City School District “Watertown City School District Employee” > [source ↗](https://statecs.org/about/join/) - Employee of Watertown City School District - Retired employee of New York State Civil Service, City of Watertown, or Watertown City School District (as written on the source page) “Retiree of one of the above employers” > [source ↗](https://statecs.org/about/join/) - Retiree of New York State Civil Service, City of Watertown, or Watertown City School District ### Family 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family “Immediate family of a current member” > [source ↗](https://statecs.org/about/join/) - Family member (immediate 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 CS Employees Credit Union? Yes No ## Work at State CS 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 CS Employees Credit Union ranks against New York peers. - See which AI assistants fetched State CS Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=state-cs-employees&state=new-york&code=NY&name=State%20CS%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does State CS Employees Credit Union offer? State CS Employees Credit Union currently offers vehicle loan, HELOC, and personal loan 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 CS Employees Credit Union rates updated? RateAPI verifies State CS 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 CS Employees Credit Union's rate data? Rate data is collected directly from State CS 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 CS Employees Credit Union's best CD rate? As of November 12, 2026, State CS Employees Credit Union offers savings and certificate (CD) yields up to 4.55% APY. ### Who can join State CS Employees Credit Union? State CS Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 5 published membership paths covering 4 employers for State CS Employees Credit Union, each quoted from State CS Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare State CS Employees Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [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://statecs.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 CS Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York 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 CS Employees Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /state-cs-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## State CS Employees Credit Union locations Search, filter, and browse all 2 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/new-york/state-cs-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp