Deposits · August 2026
SECU publishes savings rates, fees, and its routing number in text
An AI agent ran five ordinary deposits tasks on the public pages of State Employees' Credit Union and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Credit union
89/100
Mystery Agent score
Deposits · rank 1 of 25
Savings rate
93Served as text
Checking comparison
91Served as text
Fee schedule
92Served as text
Routing number
95Served as text
Application page
75Served as text
Summary
- SECU serves its savings rates, checking comparison, and fee schedule as plain text an automated reader can read directly.
- The fee schedule appears twice, once as an HTML table and again as a clean, text-extractable PDF.
- An agent found the routing number, 253177049, printed in the homepage navigation before reaching the dedicated routing page.
- Publishing a working llms.txt would give agents one authoritative index instead of the site's current 404 response.
State Employees' Credit Union also appears in the Credit Cards study, where it scores 74 and ranks 10 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text93 out of 100
SECU's savings rate page lists the Share Account at 0.25% APY alongside Zard Share, FAT CAT Share, and Money Market Share paying between 2.05% and 2.07% APY, all as readable text.
Task 02Checking comparisonServed as text91 out of 100
A built-in table compares Checking and CashPoints Global side by side, showing a $1 monthly fee for both, no minimum balance, and dividends earned only on CashPoints Global, which pays 0.10% APY.
Task 03Fee scheduleServed as text92 out of 100
SECU's fee schedule page lists maintenance, NSF, ATM, debit card, and wire fees with dollar amounts as visible text, and the identical figures appear again in a cleanly extracted PDF copy.
Task 04Routing numberServed as text95 out of 100
The routing number, 253177049, sits in plain text at the top of SECU's homepage navigation and again in a full sentence on the dedicated routing number page.
Task 05Application pageServed as text75 out of 100
SECU's membership page delivers 26,259 visible characters describing eligibility rules, accepted forms of identification, and the $25 minimum deposit; its three input fields belong to the header sign-in widget.
The join page reads like a genuine disclosure document, stating eligibility, required ID, and funding amount in plain sentences.
The application page
What the account opening page states to a reader that runs no scripts.
234,195Bytes delivered
26,259Characters of visible text
3Form fields in the first response
StatedWhat an applicant needs
Strengths and opportunities
What is working
- Savings rates, checking comparisons, and the full fee schedule are all delivered as plain readable HTML text with no script dependency, so an agent reading the raw response gets the real numbers on the first pass.
- The fee schedule is published twice, once as an HTML table and once as a clean, text-extractable PDF, giving an agent two independent ways to confirm the same figures.
- The routing number is placed directly in the site's persistent navigation text as well as on its own dedicated page, so it is essentially unmissable to a text-reading agent.
- The join page for a credit union membership reads like a genuine disclosure document: eligibility, required ID, and funding amount are all stated in plain sentences before any account is opened.
Opportunities
- Publishing a real llms.txt instead of returning the site's 404 error page would give agents a direct, authoritative index of savings, checking, fee, and routing content.
- The join.html application page mixes the site-wide sign-in widget fields into the page, which can read as application fields to an agent; separating the informational eligibility content from that persistent widget would make the application page detail cleaner.
- SECU currently frames its comparison as Checking versus CashPoints Global; adding a short named second checking tier framing (rather than a demand-deposit non-dividend account) would make future two-tier comparisons even more direct for an agent.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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