Featured Savings Rates
Featured Accounts

SMSE Federal Credit Union

Popular Accounts at this Credit Union

1.76%5-year CD60 Month CD
0.75%1-year CD12 Month CD
0.25%SavingsRegular Share

Overview / Commentary
17135 W 10 Mile Rd
Southfield, MI 48075-2933

SMSE Federal Credit Union is headquartered in Southfield and is the 164th largest credit union in the state of Michigan. It is also the 2,719th largest credit union in the nation. It was established in 1952 and as of September of 2017, it had grown to 11 employees and 4,083 members at 1 location. SMSE Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to employees of the State of Michigan or the local government in Livingston, Lenawee, Macomb, Monroe, Washtenaw , Oakland, St. Clair or Wayne County.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. SMSE Federal Credit Union has a low asset base.

Health Grade Components

NCUA #7628
Year Chartered1952
Primary Regulator
Profit Margin
Return on Assets - YTD0.3%
Return on Equity - YTD2.81%
Annual Interest Income$945.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$34.8MM$34.1MM
LoansQ3 2017vs Q3 2016$10.6MM$9.9MM
DepositsQ3 2017vs Q3 2016$30.8MM$30.2MM
Equity CapitalQ3 2017vs Q3 2016$3.8MM$3.8MM
Loan Loss AllowanceQ3 2017vs Q3 2016$257.00K$184.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$263.00K$242.00K
Real Estate OwnedQ3 2017vs Q3 2016$68.00K$36.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SMSE Federal Credit Union Savings Account Rates

0.50%$100-Traditional IRA
0.50%*$50k*-Super Saver
OTHER TIERS: 0.30% $500 - $5k | 0.35% $5k - $20k | 0.40% $20k - $50k
0.25%*$500*-Kids Club Share
OTHER TIERS: 0.10% $100 - $500
0.25%*$500*-Christmas Club
OTHER TIERS: 0.10% $100 - $500
0.25%*$500*-Vacation Club
OTHER TIERS: 0.10% $100 - $500
0.25%*$500*-Regular Share
OTHER TIERS: 0.10% $100 - $500

SMSE Federal Credit Union Checking Account Rates

0.15%*$1k*-Share Draft
OTHER TIERS: 0.05% $500 - $1k

SMSE Federal Credit Union CD Rates

1.76%$500$50k60 Month CD
1.76%$100-60 Month Kids Club CD
1.76%$100-84 Month Kids Club CD
1.45%*$50k*-36 Month CD
OTHER TIERS: 1.30% $500 - $50k
1.40%$500$50k48 Month CD
1.30%$100-36 Month Kids Club CD
1.20%$500$50k24 Month CD
0.75%*$50k*-6 Month CD
OTHER TIERS: 0.60% $500 - $50k
0.75%$500-12 Month CD
0.75%$100-12 Month Kids Club CD

SMSE Federal Credit Union IRA Rates

1.76%$500-60 Month IRA
1.40%$500-48 Month IRA
1.30%$500-36 Month IRA
0.75%$500-12 Month IRA

SMSE Federal Credit Union Locations
Branch Office17135 W 10 Mile RdSouthfield, MI 48075-2933