Lender profile
State Employees Credit Union
Lender Live rate observations
State Employees Credit Union at a glance
State Employees Credit Union is a lender based in New Mexico. LoanMate.ai tracks 7 published loan products from State Employees Credit Union (10 rate listings), last verified 2026-10-21. Its lowest published rate today is 5.39% on New auto loan. Its 5/5 ARM rate of 6% is 0.125 points below the national median of 6.125% (across 30 lenders publishing that product). State Employees Credit Union lends in New Mexico only.
Purchase mortgage (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 5/5ARM | 6.00 | — | — | 1% Loan Origination Fee, $50 Doc Prep Fee, $19 Flood Certification Fee | 2026-10-21 | Lender source ↗ |
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | 6.75 | 6.76 | — | — | 2026-10-21 | Lender source ↗ |
Home equity loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-10yr | 7.13 | 7.386 | — | — | 2026-10-21 | Lender source ↗ |
Auto loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 5.39 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW | — | 5.49 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-NEW | — | 6.29 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED | — | 6.43 | — | — | 2026-10-21 | Lender source ↗ |
| AUTO-USED | — | 6.63 | — | — | 2026-10-21 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-36 | — | 10.74 | — | — | 2026-10-21 | Lender source ↗ |
| PERS-UNSEC-LINE | — | 10.74 | — | — | 2026-10-21 | Lender source ↗ |
How does State Employees Credit Union's 5/5 ARM rate compare nationally?
Compare all purchase mortgage rates · Compare all heloc rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New Mexico
Compare with: Del Norte Credit Union, Otero Federal Credit Union, Rio Grande Credit Union, Sandia Area Federal Credit Union
Common questions
What is the lowest published rate at State Employees Credit Union?
As of October 21, 2026, the lowest rate LoanMate.ai tracks from State Employees Credit Union is 5.39% on its New auto loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does State Employees Credit Union lend?
State Employees Credit Union lends in New Mexico only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does State Employees Credit Union's 5/5 ARM rate compare nationally?
State Employees Credit Union publishes 5/5 ARM at 6%. The national median for that product is 6.125% across 30 lenders in LoanMate.ai's October 21, 2026 dataset, so State Employees Credit Union is 0.125 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.