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Southeastern Arizona Credit Union

Overview
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Southeastern Arizona Credit Union is a federal credit union based in Douglas, Arizona. It has been opened since 1954, for 66 years.

With around $35,710,000 in assets, Southeastern Arizona Credit Union is considered to be an average size credit union. It has 2 branches and 2 ATM locations.

About
Address Po Box 1059
Douglas, Arizona 85608
Website http://www.seafcu.com
Phone (520) 364-8401
Fax (520) 364-2967
CEO Gail Y. Molina
President of the Board Hilbert Bernal, Jr.
Services Offered
Map
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Score Card
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66 years
Years in business
Opened in 1954
Well Capitalized
Net worth classification
Source: NCUA
5,691 members
Membership type: Community credit union
Average number of members
474:1
Credit union member to staff ratio
474 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$35,706,776
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 5 in Arizona
Above average number of branches
0.07%
Savings interest rate
Compared to 0.3% nationally
14.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 5 in Arizona
Above average number of branches
Southeastern Arizona Credit Union Branch Locations

Southeastern Arizona Credit Union: Benson
182 E. 4th Street
Benson, Arizona 85602
ATM Available
Southeastern Arizona Credit Union: Douglas
1600 North Pan American Avenue
Douglas, Arizona 85607
ATM Available
Members
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5,691 members
Membership type: Community credit union
Average number of members

With 5,691 members, the Southeastern Arizona Credit Union is considered to be a medium size credit union. It is larger than 60% of credit unions.

Fees
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$64
Average fee per member
The average fee per member at the Southeastern Arizona Credit Union is $64, which is high compared to most credit unions. This rate is higher than 62% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Southeastern Arizona Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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474:1
Credit union member to staff ratio
474 per each FTE employee
Compared to 411:1 nationally
Fewer staff
12 staff members
FTE (full-time equivalent)
15% of employees are part-time
11 full-time, 2 part-time

Southeastern Arizona Credit Union has 11 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 85% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Southeastern Arizona Credit Union has around 474 members per staff, a higher ratio compared to other credit unions.

Assets
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$35,706,776
Total assets
Average size
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
11.4%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$7,305
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 75% of credit unions.

Southeastern Arizona Credit Union holds a total of $18,460,000 in loans and leases, which is about $7,305 per member on average.

Savings interest rate
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0.07%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Southeastern Arizona Credit Union pays 0.07%.

Loan rates
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14.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
6.50%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.50%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.25%
New car loan rate
Compared to 4.0% nationally
3.45%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.99%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.99%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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Net Worth Classification
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Average Fee
Credit Card Loan Interest Rate
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