Holiday Schedule

Days and times we'll be closed for State ECU observed holidays.

 

5/5 Adjustable Rate Mortgage

TERM MAXIMUM AMOUNT FINANCED RATE LIFETIME ADJUSTMENT CAP
30 year 90% loan-to-value and 95% combined loan-to-value As low as 6.00%*** 5.00% above initial rate

***APR based on $100,000, 30-year term, 6.00% initial rate, 1% Loan Origination Fee, $50 Doc Prep Fee, and $19 Flood Certification Fee. Minimum loan $10,000; max LTV 90%. First mortgages on primary residences; second homes and investment properties subject to separate guidelines. Rate fixed for 5 years, then may adjust once every 5 years. Caps: 2.00% first adjustment, 2.00% each later adjustment, 5.00% lifetime (max 11.00%); floor 2.50%. Rate, APR, and payment may increase after consummation. Optional interest-only payments for the first 5 years do not reduce principal balance; payments will increase when the loan becomes fully amortizing. 0.10% rate reduction with an existing State ECU checking account; 0.15% reduction with Automatic Debit. Rate and APR include both discounts. Rates start at listed percentages and are subject to change without notice. NMLS #402473 . Equal Housing Opportunity Lender. OAC.

Advantage+ Money Market

BALANCE RATE APY BONUS RATE4
$100,000 minimum balance 2.45% 2.50% 3.00%

4Advantage+ Money Market Rate Bonus Conditions

  • Active Checking Account +0.10%
  • Full Direct Deposit +0.10%
  • Active SECU Credit Card +0.10%
  • Active Consumer Loan +0.10%
  • Current Mortgage +0.10%
AUTO LOANS TERM INTEREST RATE APR (AS LOW AS)
New Vehicle  (2023 - 2027) 66 Month 5.39%
New Vehicle (Cost over $15,000) 75 Month 5.49%
New Vehicle (Cost over $25,000) 84 Month 6.29%
Used Vehicle Max Mileage 65K (2019-2022) 84 month 6.43%
Used Vehicle (2018 and older) 75 Month 6.63%

Must add 1% to vehicles >100k miles
Must use J.D. Power retail on new 2023 models

*Floor rate of 4.50% APR (Annual Percentage Rate), max term 84 months. Interest APR (Annual Percentage Rate) is listed “as low as.” Rates are subject to change without notice. Approval subject to creditworthiness.

AUTO LOANS TERM INTEREST RATE APR (AS LOW AS)
New Vehicle 
(2019 - 2022)		 66 Month 2.69%
New Vehicle (Cost over $15,000) 75 Month 2.99%
New Vehicle 
(Cost over $25,000)		 84 Month 3.09%
Used Vehicle 
(2015 - 2018)		 72 Month 3.24%
Used Vehicle 
(2014 and older)		 60 Month 3.74%

 

Must add 1% to vehicles >100k miles

Must use J.D. Power retail on new 2019 models

Business Money Manager

BALANCE RATE APY
$0 - $9,999.99 0.10% 0.10%
$10,000 - $49,999.99 0.20% 0.20%
$50,000 - $249,999.99 0.30% 0.30%
$250,000 - $499,999.99 0.35% 0.35%
$500,000 and above 0.45% 0.45%

Business Money Market

BALANCE RATE APY
$0 - $9,999.99 0.15% 0.15%
$10,000 - $49,999.99 1.75% 1.75%
$50,000 - $249,999.99 2.00% 2.00%
$250,000 - $499,999.99 2.25% 2.25%
$500,000 and above 2.50% 2.50%

Credit Cards

CREDIT CARDS TERM APR
Visa Platinum Non-variable Rate 7.50%
Visa Gold Non-variable Rate 9.25%
Visa Classic Non-variable Rate 12.50%

First Mortgage Loans

TERM MAXIMUM AMOUNT FINANCED APR RATE
30 year (fixed) 80% loan to value Call for rate 800.983.7328
30 year with 10 year call 85% loan to value Call for rate 800.983.7328
15 year (fixed) 80% loan to value 6.80% 6.63%

^APR is based on $100,000 loan amount and a Loan Origination Fee of 1% plus a $50 Doc Prep Fee and $19 Flood Certification Fee. Minimum loan amount $10,000. 0.10% rate reduction on all Mortgage Loans with an existing State Employees Checking Account with State ECU. 0.15% rate reduction when signed up for Automatic Debit of payments. Rate and APR includes auto debit and State ECU checking account discounts. Rates start at listed percentages. Rates are subject to change without notice. Equal Housing Opportunity Lender. OAC

Home Equity Line of Credit

TERM MAXIMUM AMOUNT FINANCED APR RATE
30 year (10 year draw) 80% combined loan to value 7.011% 7.00% variable rate

Floor rate of 6.00%. Document preparation fee of $200.00. Minimum loan amount $10,000.00 Interest only payment.

NMLS# 402473. Equal Opportunity Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Available for primary and second single-family homes. 10-year draw with interest-only payments, followed by up-to 20-year repayment period. You can borrow up-to 90% of your home’s maximum loan to Value (LTV), with a maximum loan amount of $250,000. Rates subject to change after loan is funded. 

Individual Retirement Accounts

TYPE RATE APY MINIMUM BALANCE
Traditional 0.40% 0.40% $0
Roth 0.40% 0.40% $0

Kasasa Cash*

BALANCE RATE APY
Balances up to $50,000 1.53% 1.55%
Balances over $50,000 0.30% 1.55% to 0.72%
All balances if qualifications are not met 0.05% 0.05%

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or ACH debit transactions post and settle
  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry. Your account is still free. You’ll also still earn our base dividend rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Cash*

BALANCE RATE APY
Balances up to $50,000 1.10% 1.10%
Balances over $50,000 0.30% 1.10% to 0.57%
All balances if qualifications are not met 0.05% 0.05%

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Cash® account during each Monthly Qualification Cycle:

  • Have at least 1 direct deposit or ACH debit transactions post and settle
  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry. Your account is still free. You’ll also still earn our base dividend rate — and you can get right back to earning your full rewards the very next cycle that you qualify.

Kasasa Saver*

BALANCE RATE APY
Balances up to $50,000 0.60% 0.60%
Balances over $50,000 0.30% 0.60% to 0.40%
All balances if qualifications are not met 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash® or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate too. To earn your rewards just do the following transactions and activities in your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: 

  • Have at least 1 direct deposit or ACH debit transactions post and settle
  • Have at least 10 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Be enrolled in and log into online banking

And if you don’t meet these qualifications, don’t worry. Your Kasasa accounts are still free. You’ll also earn our base dividend rate on Kasasa Saver — and you can get right back to earning your full rewards the very next cycle that you qualify.

Money Manager

BALANCE RATE APY
$1,000 - $9,999 0.10% 0.10%
$10,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.20% 0.20%
Over $50,000 0.30% 0.30%

Money Market

BALANCE RATE APY
$0 - $9,999 0.15% 0.15%
$10,000 - $49,999 1.75% 1.75%
$50,000 - $249,999 2.00% 2.00%
$250,000 and above 2.25% 2.25%

Motorcycle and Power Sport Loans

MOTORCYCLE & POWER SPORT LOANS MAX TERM APR (AS LOW AS)
New Motorcycles & Dirt Bikes (2025 - 2027)  84 Month 6.99%
Used Motorcycles & Dirt Bikes (2002 - 2024)  84 Month 7.13%
New Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2025-2027) 84 Month 6.99%
Used Power Sports: ATVs, UTVs, Boats, Personal Watercrafts, Snowmobiles (2016-2024) 72 Month 7.59%
RV, TRAILER & UTILITY TRAILER LOANS MAX TERM APR (AS LOW AS)
New RV/Travel and Utility Trailer Loans (2025 - 2027) (Cost over $40,000) 180 Month 8.49%
Used RV/Travel and Utility Trailer Loans (2016 - 2024) 144 Month 8.99%

Interest APR (Annual Percentage Rate) is listed “as low as.” Rates are subject to change without notice. Approval subject to creditworthiness. Rates shown are for illustration and should be confirmed against the current published rate sheet prior to publishing.

Savings Accounts

ACCOUNT RATE APY BALANCE REQUIRED MINIMUM BALANCE TO EARN DIVIDENDS
Member Savings 0.15% 0.15% $5 $300
Special Savings 0.15% 0.15% $0 $300
Club Accounts 0.15% 0.15% $0 $300
Uniform Gift to Minor Account 0.15% 0.15% $0 $300
Certificate Builder 0.30% 0.30% $25 $25

Second Mortgage Loans

TERM MAXIMUM AMOUNT FINANCED APR RATE
20 year - 10 year call 80% combined loan to value 8.537%** 8.38%
10 year - fixed 90% combined loan to value 8.143%** 7.88%
10 year - fixed 80% combined loan to value 7.891%** 7.63%

** APR based on $50,000 and a Loan Origination Fee of 1%, plus a $50 Doc Prep Fee and $19 Flood Certification Fee. 0.10% rate reduction on all Mortgage Loans with an existing State Employees Checking Account with State ECU. 0.15% rate reduction when signed up for Automatic Debt of payments. Rate and APR includes auto debit and State ECU checking account discounts. Rates start at listed percentages. Rates are subject to change without notice. Equal Housing Opportunity Lender. OAC

Secured Loans

OTHER SECURED LOANS TERM APR (AS LOW AS)
Share Secured 60 Month 2.00% over Account
Certificate Secured Maturity Date of CD 2.00% over Certificate Rate

Share Certificates

TERM MINIMUM BALANCE RATE APY BONUS RATE4 EARLY WITHDRAWAL PENALTY
6 Month $1,000 4.426% 4.50% 5.00% 90 Days Interest
12 Month $500 3.21% 3.25% 3.75% 90 Days Interest
24 Month1 $1,000 2.72% 2.75% 3.25% 180 Days Interest
36 Month1 $1,000 2.87% 2.90% 3.40% 180 Days Interest
48 Month2 $1,000 2.97% 3.00% 3.50% 270 Days Interest
60 Month2 $1,000 3.06% 3.10% 3.60% 270 Days Interest

 

Quarterly Dividends.

¹Dividend Transfer

²Dividend Transfer and Rising Rate Option Available

For Rising Rate Share Certificate accounts, the dividend rate and APY for your account may, at your option, change once during the original term of your certificate to the current rate being offered on certificates with the same term at the time your Rising Rate option is exercised. The Rising Rate option is only available on certificate accounts with terms of 48 or 60 months and is not available during any renewal term.

4Share Certificate Rate Bonus Conditions

  • Active Checking Account +0.10%
  • Full Direct Deposit +0.10%
  • Active SECU Credit Card +0.10%
  • Active Consumer Loan +0.10%
  • Current Mortgage +0.10%

Share Certificates

TERM MINIMUM BALANCE RATE APY EARLY WITHDRAWAL PENALTY
6 Month $1,000 1.50% 1.51% 90 Days Interest
7 Month $1,000 3.00% 3.03% 90 Days Interest
12 Month $500 1.65% 1.66% 90 Days Interest
15 Month $1,000 2.00% 2.02% 90 Days Interest
24 Month1 $1,000 2.10% 2.12% 180 Days Interest
36 Month1 $1,000 2.20% 2.22% 180 Days Interest
48 Month2 $1,000 2.30% 2.32% 270 Days Interest
60 Month2 $1,000 2.40% 2.42% 270 Days Interest

 

Quarterly Dividends.

¹Dividend Transfer

²Dividend Transfer and Rising Rate Option Available

For Rising Rate Share Certificate accounts, the dividend rate and APY for your account may, at your option, change once during the original term of your certificate to the current rate being offered on certificates with the same term at the time your Rising Rate option is exercised. The Rising Rate option is only available on certificate accounts with terms of 48 or 60 months and is not available during any renewal term.

Share Certificate Rate Bonus Conditions

  • Active Checking Account +0.10%
  • Full Direct Deposit +0.10%
  • Active SECU Credit Card +0.10%
  • Active Consumer Loan +0.10%
  • Current Mortgage +0.10%

Share Certificates

TERM MINIMUM BALANCE RATE APY BONUS RATE4 EARLY WITHDRAWAL PENALTY
6 Month $1,000 3.10% 3.14% 3.60% 90 Days Interest
12 Month $500 3.05% 3.08% 3.55% 90 Days Interest
24 Month1 $1,000 2.72% 2.75% 3.25% 180 Days Interest
36 Month1 $1,000 2.55% 2.57% 3.07% 180 Days Interest
48 Month2 $1,000 2.35% 2.37% 2.87% 270 Days Interest
60 Month2 $1,000 2.57% 2.60% 3.10% 270 Days Interest

Quarterly Dividends.

¹Dividend Transfer

²Dividend Transfer and Rising Rate Option Available

For Rising Rate Share Certificate accounts, the dividend rate and APY for your account may, at your option, change once during the original term of your certificate to the current rate being offered on certificates with the same term at the time your Rising Rate option is exercised. The Rising Rate option is only available on certificate accounts with terms of 48 or 60 months and is not available during any renewal term.

4Share Certificate Rate Bonus Conditions

  • Active Checking Account +0.10%
  • Full Direct Deposit +0.10%
  • Active SECU Credit Card +0.10%
  • Active Consumer Loan +0.10%
  • Current Mortgage +0.10%

Unsecured Loans

UNSECURED LOANS TERM APR
Signature Loans 36 Month 10.74%
Line of Credit Revolving 10.74%