State Employees' Credit Union (SECU) CD Rates — October 2026

As of October 22, 2026, State Employees' Credit Union (SECU)'s highest CD rate is 4.30% APY on an 18-month CD ($250 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.85% to 4.30% APY.

Last verified October 22, 2026 from www.ncsecu.org · NCUA-insured credit union · Raleigh, NC

Best APY4.30%18 months, $250 min

vs. Treasury−0.42%same-term Treasury 4.72%

vs. national average2.8×FDIC national average 1.55%

After inflation0.56%CPI 3.7% year over year

$10,000 earns$652over 18 months, before tax

State Employees' Credit Union (SECU) CD rates

State Employees' Credit Union (SECU) CD rates
Term	Product	Minimum	APY	vs. Treasury
6 months	Share Term Certificate	$250	3.85%	−0.55%
12 months	Share Term Certificate	$250	4.00%	−0.57%
18 months	Share Term Certificate	$250	4.30%	−0.42%
24 months	Share Term Certificate	$250	4.30%	−0.57%
30 months	Share Term Certificate	$250	4.00%	−0.91%
36 months	Share Term Certificate	$250	4.00%	−0.95%
48 months	Share Term Certificate	$250	4.00%	−0.98%
60 months	Share Term Certificate	$250	4.00%	−1.01%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Best rate by term

6 mo3.85%
12 mo4.00%
18 mo4.30%
24 mo4.30%
30 mo4.00%
36 mo4.00%
48 mo4.00%
60 mo4.00%

Calculate earnings at 4.30% for 18 months

How State Employees' Credit Union (SECU) compares

Best 2-year rate among the institutions we track: Popular Direct at 4.80% APY.
Popular Direct (NY): best 5.00% APY on 60 months.
Barclays (DE): best 4.75% APY on 24 months.
Sallie Mae Bank (UT): best 4.75% APY on 60 months.
Capital One (VA): best 4.40% APY on 11 months.
Marcus by Goldman Sachs (NY): best 4.40% APY on 12 months.
2-year Treasury: 4.72% APY-equivalent.

Rate changes

No changes since we started tracking State Employees' Credit Union (SECU) on October 22, 2026.

About State Employees' Credit Union (SECU)

Legal name: State Employees' Credit Union
Regulator ID: NCUA 66310
Headquarters: Raleigh, NC
Available in: NC
Total assets: $60.0 billion
Also known as: SECU, NC SECU
Website: www.ncsecu.org

Source: rates read from https://www.ncsecu.org/rates-fees/account-rates.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at State Employees' Credit Union (SECU)?

4.30% APY on an 18-month CD, as of October 22, 2026.

What is the minimum deposit for a State Employees' Credit Union (SECU) CD?

The lowest minimum we found is $250.

How does State Employees' Credit Union (SECU)'s best CD rate compare with Treasury yields?

4.30% APY is −0.42% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.30% a good CD rate?

It is 2.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are State Employees' Credit Union (SECU) CDs insured?

State Employees' Credit Union (SECU) is a federally insured credit union (NCUA 66310). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

How often is this page updated?

We check State Employees' Credit Union (SECU)'s rate page every day. The rates above were last verified on October 22, 2026.

More CD rates

Rates are copied from State Employees' Credit Union (SECU)'s website and may change at any time. Confirm terms, minimums and eligibility with State Employees' Credit Union (SECU) before opening an account. This page is not financial advice.