Southeast Michigan State Employees Federal Credit Union (SMSE FCU) is a member-owned cooperative headquartered in West Bloomfield, Michigan. Membership is open to Michigan state employees and retirees, plus local government employees in Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne counties, and their families. Services include checking, savings, auto loans, mortgages, and credit cards.

For public servants across southeast Michigan, Southeast Michigan State Employees Credit Union offers the personal touch of a small, member-first institution: friendly service, competitive rates on auto loans and mortgages, and easy checking and savings built around the needs of state and local government employees and their families. Whether financing a car, refinancing a home, or simply managing everyday spending, SMSE FCU keeps banking straightforward and community focused. Members can also use Fluz alongside their SMSE FCU accounts to earn extra cashback and rewards on everyday purchases, gift cards, and recurring bill payments, turning routine spending into real savings.