RateHerald

16accounts we track

  • Savings10
  • Money market1
  • Checking4
  • CDs1

Credit union in Raleigh, NC

State Employees'

NCUA-insured · charter 66310

Savings, money market, checking and CDs, with every rate from State Employees'’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated

Best savings rate
2.18%APY · State Employees' Money Market Share Account (MMSA)
Best CD rate
4.30%APY for 18 months

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees
State Employees' Money Market Share Account (MMSA)Money market account · $250 to open2.18%$218$2 a month
State Employees' FAT CAT Share Account (ages 0-12)Savings account · $5 to open0.25%$25Not stated
State Employees' Fat Cat Share AccountSavings account · $5 to open0.25%$25None
State Employees' Zard Share AccountSavings account · $25 to open0.25%$25$1 a month
State Employees' Share AccountSavings account · $250 to open0.10%$10$1 a month
State Employees' CESASavings account · $25 to openNot stated—$1 a month
State Employees' Holiday Cash Club AccountSavings account · no minimum to openNot stated—None
State Employees' MembershipSavings account · $25 to openNot stated—$1 a month
State Employees' Receipt and Agreement (R&A) AccountSavings account · no minimum to openNot stated—None
State Employees' Salary Advance Cash AccountSavings account · no minimum to openNot stated—None
State Employees' Summer Cash AccountSavings account · no minimum to openNot stated—None

Checking

Against 1043 checking accounts
State Employees' CashPoints Global (CPG) AccountChecking account · no minimum to openNot stated#461$1 a month
State Employees' Checking AccountChecking account · no minimum to openNot stated#462$1 a month
State Employees' CashPoints Global AccountChecking accountNot stated#463$1 a month
State Employees' Zard Checking AccountChecking account · no minimum to openNot stated—$1 a month

Share Term Certificate (STC), by term

$250 to open
6 months3.85%#50 of 143
1 year4.00%#59 of 176
18 months · State Employees'’s best4.30%#23 of 107
2 years4.30%#30 of 134
30 months4.00%—
3 years4.00%#28 of 98
4 years4.00%—
5 years4.00%#31 of 98

Cashing out early: any term, 90 days of interest. A dash: a term we don’t rank. All State Employees' CDs

Against the market

How State Employees' ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

  • State Employees' Money Market Share Account (MMSA)Money market account#19 of 174
  • Share Term Certificate (STC) · 18 monthsCD#23 of 107
  • Share Term Certificate (STC) · 2 yearsCD#30 of 134
  • Share Term Certificate (STC) · 3 yearsCD#28 of 98
  • Share Term Certificate (STC) · 5 yearsCD#31 of 98
  • Share Term Certificate (STC) · 1 yearCD#59 of 176
  • Share Term Certificate (STC) · 6 monthsCD#50 of 143
  • State Employees' CashPoints Global (CPG) AccountChecking account#461 of 1043

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.