SOUTHEAST MICHIGAN STATE EMPLOYEES

Headquarters

17135 W. 10 MILE ROAD
Southfield, MI 48075
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.60% →
1-Year CD N.A. 1.55% →
2-Year CD N.A. 1.45% →
5-Year CD N.A. 1.66% →
30-Year Mortgage N.A. 3.08% →
15-Year Mortgage N.A. 2.65% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Southeast Michigan State Employees is an NCUA insured institution located in Southfield, MI. It was founded in 1952 and has approximately $37.03 millions in assets.

NCUA Insured Yes
Charter Number # # 7628
Date Established 1952
Assets $37.03 million
Loans $12.63 million
Deposits $32.59 million
Capital $4.21 million
 

Deposit Rates - May 31, 2020

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Southeast Michigan State Employees

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Note to Southeast Michigan State Employees
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Advertiser Disclosure

Loan Rates - May 31, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for SOUTHEAST MICHIGAN STATE EMPLOYEES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.952% 2.875% 1.00 $2,485 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to SOUTHEAST MICHIGAN STATE EMPLOYEES
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Southeast Michigan State Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Southeast Michigan State Employees Locations


Financial Details

Southeast Michigan State Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southeast Michigan State Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Southeast Michigan State Employees U.S. Average
4.16% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Southeast Michigan State Employees had $183,158 in non-current loans and $7,000 in owned assets. To cover these potential losses it had $4,212,884 in net worth and $359,203 in loans loss reserves. That gives it a Texas Ratio of 4.16%.

Net Worth
Southeast Michigan State Employees U.S. Average
11.37% 13.86%

Southeast Michigan State Employees FCU has a net worth of 11.37% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Southeast Michigan State Employees

Branches and Savings

What is Southeast Michigan State Employees?

A federal credit union, registered with the NCUA under certificate #7628.
Learn more about credit unions here.

Is Southeast Michigan State Employees FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Southeast Michigan State Employees?

Please see Field of Membership information above for information on who is eligible to join.

What are Southeast Michigan State Employees's share account and share certificate rates?

Southeast Michigan State Employees's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Southeast Michigan State Employees?

Southeast Michigan State Employees has total capital of $4.21 million. Full information on Southeast Michigan State Employees's financial position is located above.

Who owns Southeast Michigan State Employees?

Credit Unions are owned by their members.

Where are Southeast Michigan State Employees branches located?

See branch locations nearby.

Are Southeast Michigan State Employees ATMs Open 24/7?

Do Southeast Michigan State Employees ATMs accept cash deposits?

Can Southeast Michigan State Employees customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Southeast Michigan State Employees have a mobile app?

Does Southeast Michigan State Employees have mobile deposit?

Does Southeast Michigan State Employees have quick pay?

How can Southeast Michigan State Employees transfer money to other banks or credit unions?

Does Southeast Michigan State Employees report to credit bureaus?

Does Southeast Michigan State Employees use Chexsystems?

Does Southeast Michigan State Employees use Equifax?

What is Southeast Michigan State Employees's toll free phone number?

What is Southeast Michigan State Employees's ACH Routing Number?

What is Southeast Michigan State Employees's SWIFT code?

Where can I find Southeast Michigan State Employees's wire transfer form?

What is the Southeast Michigan State Employees address for deposits?

What Products Does Southeast Michigan State Employees Offer

Does Southeast Michigan State Employees offer mortgages?

Compare mortgage rates here.

Does Southeast Michigan State Employees offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southeast Michigan State Employees offer auto and RV loans?

Compare auto loan rates here.

Does Southeast Michigan State Employees offer student loans or personal loans?

Compare personal loan rates here.

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