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IBM Southeast Employees’ Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%5-year CD60 Month Platinum Rewards Promotional Certificate
0.65%1-year CD12 Month Certificate
0.10%SavingsMembership Savings

Overview / Commentary
561-982-4700
1000 NW 17th Ave
Delray Beach, FL 33445-2555

IBM Southeast Employees’ Credit Union is headquartered in Delray Beach and is the 16th largest credit union in the state of Florida. It is also the 286th largest credit union in the nation. It was established in 1969 and as of March of 2017, it had grown to 233 employees and 75,198 members at 15 locations. IBM Southeast Employees’ Credit Union has an A health rating.

Field of Membership Restrictions

Membership in IBM Southeast Employees’ Credit Union is open to the following: (1) those who live or work in Broward, Hillsborough, Martin, Palm Beach, Pinellas, or St. Lucie Counties in Florida; (2) those who live or work in Bartow, Cherokee, Clayton, Cobb, DeKalb, Douglas, Forsyth, Fulton, Gwinnett, Henry, Paulding, or Pickins Counties in Georgia; (3) employees of the credit union's Member Companies-not listed on the credit union's site. (Membership requirements are listed in the credit union's online application)
See current membership details

Related Posts

Limited-Time Certificate Offer - 2.25% 60 Months - SE Florida & Atlanta Area - 5/22/2017

Not as good as last month’s promotion, but at least they’re still regularly offering these special CDs. IBM Southeast Employees’ Credit Union 2.25% APY 60-month term Minimum deposit $1,000 Maximum deposit $250,000 Limit of one Certificate per member Dividends paid annually

Limited-Time Certificate Offer - 1.75% 26 Months - SE Florida & Atlanta Area - 4/5/2017

New limited-time Certificate offer from IBM Southeast Employees’ Credit Union. They keep coming out with newer and better ones! 1.75% APY 26-Month term Minimum deposit $1,000 Maximum deposit $250,000 Limit of one Certificate per member Dividends paid annually Rate effective April 1, 2017, subject to change.

Limited-Time Certificate Offer - 1.80% 3Yr - SE Florida & Atlanta Area - 1/30/2017

New limited-time Certificate offer from IBM Southeast Employees’ Credit Union. This one is much improved from their December special: 1.80% APY 36-month term Minimum deposit $1,000 Maximum deposit $250,000 Limit of one Certificate per member Dividends paid annually Rate effective January 1, 2017, subject to change.

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Reviews (3)

The Best In Banking -IBM Southeast Credit Union

Posted by: Fay | May 9, 2014

My experience with IBM Southeast Employees Federal Credit Union began in 1997. During that year I made a poor decision in purchase a vehicle at a astronomical percentage rate, and had no recourse. A few months later IBM in association with the company I worked for had a promotional event. IBM was able to assist in paying of the high interest loan and help in easing the financial burden I was carrying. In addition, their customer service is fantastic and their willingness to listen to the needs of the customer in a personable way cannot be found in most banking institutions. Since then a feel a sense of gratitude in maintaining my membership with IBM.

One Of The Worst Financial Institutions

I have been a customer with several financial institutions over the years, but I have never dealt with a financial institution that have made as many mistakes as this one. Here is just a few things that happened. When I initially opened my account I provided all the documentation requested. A few months later, I received a request to provide some of the same information. I shook that off though, then I signed up to receive my bank statements on line even though I was still getting them through the mail, lastly, when I moved I provided them with the correct address and then one day I received a 5.00 charge because my mail returned.

Who in the world charges people because their mail returned? I often wondered why they didn't send me an email instead. When I called to get the charge removed the person I spoke with was not personable and could have cared less what I had to say. She didn't offer to remove the charge and acted as if it was normal to be charged. The representatives don't have the proper attitudes and even when you get one that is nice, they are helpless to assist you. That day I made the decision to close my account.

Abusive Fee Policies

Posted by: Sadiebuc | Dec 7, 2014

I setup several accounts with IBM SECU after the 2008 disaster, looking for a big bank alternative. Their lack of electronic deposits (at that time) caused me to close most of my accounts. They convinced me to keep a single account open with $300 in it so I could benefit from other member services and hopefully they would have the technology I was looking for over time.

Fast forward 1+ year and my account is down to $240 after they starting billing me for "lack of use" and then penalizing me for being under the minimum balance. This is obviously not a customer focused policy and amounts to theft in my mind.

A bank is supposed to be a trusted partner and provide a safe place to put your money. And for this favor, you allow them to loan your money to other borrowers (members) so they can make a profit on YOUR money. This bank, however, feels this is not good enough and if you are not spending money, or adding more money, they will drain your account to ZERO, and then charge you a penalty for hitting zero, then threaten your credit if you don't pay the penalties.



Health

Health Grade Components

Overall
NCUA #68663
Year Chartered1969
Employees233
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD10.18%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$979.3MM$921.4MM
LoansQ1 2017vs Q1 2016$698.5MM$583.2MM
DepositsQ1 2017vs Q1 2016$858.9MM$813.9MM
Equity CapitalQ1 2017vs Q1 2016$94.0MM$87.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$6.2MM$4.9MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.6MM$2.2MM
Real Estate OwnedQ1 2017vs Q1 2016$263.00K$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Limited-Time Certificate Offer - 2.25% 60 Months - SE Florida & Atlanta Area

blakeb   |  
Not as good as last month’s promotion, but at least they’re still regularly offering these special CDs.

IBM Southeast Employees’ Credit Union
2.25% APY
60-month term
Minimum deposit $1,000
Maximum deposit $250,000
Limit of one Certificate per member
Dividends paid annually

Limited-Time Certificate Offer - 1.75% 26 Months - SE Florida & Atlanta Area

blakeb   |  
New limited-time Certificate offer from IBM Southeast Employees’ Credit Union. They keep coming out with newer and better ones!

1.75% APY
26-Month term
Minimum deposit $1,000
Maximum deposit $250,000
Limit of one Certificate per member
Dividends paid annually

Rate effective April 1, 2017, subject to change.

Rates
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Always verify rates and promotions with the bank or credit union. We are not IBM Southeast Employees’ Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

IBM Southeast Employees’ Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$10k*-HSA Money Market Account
OTHER TIERS: 0.15% Up to $10k
0.10%*$5k*-Membership Savings
OTHER TIERS: 0.01% Up to $2,500 | 0.05% $2,500 - $5k
0.10%$100-Education Share Account
0.10%$100-Roth IRA Share Account
0.10%$100-Traditional Share Account

IBM Southeast Employees’ Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Money Market Account
OTHER TIERS: 0.15% Up to $10k | 0.20% $10k - $25k | 0.25% $25k - $50k | 0.35% $50k - $100k

IBM Southeast Employees’ Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1k-Grand Checking

IBM Southeast Employees’ Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$1k$250k60 Month Promotional Certificate
2.25%$25k$250k60 Month Diamond Rewards Promotional Certificate
2.25%$25k$250k60 Month Platinum Rewards Promotional Certificate
2.22%$1k-84 Month Certificate
1.16%$25k$250k48 Month Diamond Rewards Promotional Certificate
1.16%$25k$250k48 Month Platinum Rewards Promotional Certificate
1.11%$1k$250k48 Month Certificate
1.06%$25k-36 Month Diamond Rewards Certificate
1.06%$25k-36 Month Platinum Rewards Certificate
1.01%$1k-36 Month Certificate
0.80%$25k-24 Month Diamond Rewards Certificate
0.80%$25k-24 Month Platinum Rewards Certificate
0.75%$1k-24 Month Certificate
0.70%$25k-12 Month Diamond Rewards Certificate
0.70%$25k-12 Month Platinum Rewards Certificate
0.65%$1k-12 Month Certificate
0.55%$25k-6 Month Diamond Rewards Certificate
0.55%$25k-6 Month Platinum Rewards Certificate
0.50%$1k-6 Month Certificate
0.45%$500-HSA 6 Month Certificate
0.35%$1k-3 Month Certificate

IBM Southeast Employees’ Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$1k$250k60 Month Promotional CESA
2.25%$1k$250k60 Month Promotional IRA
2.25%$1k$250k60 Month Promotional Roth IRA
1.11%$1k$250k48 Month IRA
1.11%$1k-48 Month Roth IRA
1.11%$1k$250k48 Month CESA
1.01%$1k-36 Month CESA
1.01%$1k-36 Month IRA
1.01%$1k-36 Month Roth IRA
0.75%$1k-24 Month IRA
0.75%$1k-24 Month CESA
0.65%$1k-12 Month IRA
0.65%$1k-12 Month CESA
Locations

IBM Southeast Employees’ Credit Union has 15 locations. Click to view all IBM Southeast Employees’ Credit Union locations.