State ECU Credit Cards

Our Visa^® non-variable rate credit card offers peace of mind and convenience — It’s accepted just about everywhere. Enjoy competitively low non-variable rates, no annual fees, free balance transfers, and State ECU Rewards with your State ECU card². Spend time on those feel-good moments — not on high credit card rates and fees.

Apply Now

benefits

Rates as low as 7.50% APR¹
No annual fee
Earn State ECU Rewards²with every purchase (coming soon)
Make purchases online or in-store
Manage securely online at any time
Balance transfer available

^{1 Rate: Interest APR (Annual Percentage Rate) is listed “as low as”. 2 State ECU Rewards not available for business account cards. Rates are subject to change without notice. No balance transfer fee. Approval subject to possible credit
requirements. For qualifications, limits, and other requirements, visit secunm.org for more info.}

State ECU Rewards

State ECU Rewards you get points everytime you make a purchase with your State ECU Visa Credit Card². Use your points to choose from a large selection of great gifts such as:

Travel
Gift cards
Pay your credit card bill
And much more!

^{2 State ECU Rewards not available for business account cards. Rates are subject to change without notice. No balance transfer fee. Approval subject to creditworthiness. For qualifications, limits, and other requirements visit https://www.secunm.org/rates.html for more info.}

manage your card

Manage Online Here – Log in to State ECU Digital Banking and select Credit Card Management under the Services & Settings tab.
24/7 Cardholder Service: Call 1-855-510-4595

Already have a State ECU credit card? Log in to your State ECU Digital Banking account to manage your credit card activity, 24/7. See transactions, make payments, and more.

Get spending flexibility.

Apply Now

Advantage+ Money Market

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

$100,000 minimum balance
RATE	2.45%
APY	2.50%
BONUS RATE⁴	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)
Refinance & Meet Your Rate	84 Month	As low as 4.50%*
New Vehicle (2022 - 2026)	66 Month	5.94%
New Vehicle (Cost over $15,000)	75 Month	6.24%
New Vehicle (Cost over $25,000)	84 Month	6.49%
Used Vehicle Max Mileage 65K (2018-2021)	84 month	7.24%
Used Vehicle (2018 - 2021)	75 Month	6.74%
Used Vehicle Max Mileage 65K (2017-2021)	75 Month	7.74%
Used Vehicle (2017 and older)	66 Month	7.24%

Refinance & Meet Your Rate
TERM	84 Month
INTEREST RATE APR (AS LOW AS)	As low as 4.50%*
New Vehicle (2022 - 2026)
TERM	66 Month
INTEREST RATE APR (AS LOW AS)	5.94%
New Vehicle (Cost over $15,000)
TERM	75 Month
INTEREST RATE APR (AS LOW AS)	6.24%
New Vehicle (Cost over $25,000)
TERM	84 Month
INTEREST RATE APR (AS LOW AS)	6.49%
Used Vehicle Max Mileage 65K (2018-2021)
TERM	84 month
INTEREST RATE APR (AS LOW AS)	7.24%
Used Vehicle (2018 - 2021)
TERM	75 Month
INTEREST RATE APR (AS LOW AS)	6.74%
Used Vehicle Max Mileage 65K (2017-2021)
TERM	75 Month
INTEREST RATE APR (AS LOW AS)	7.74%
Used Vehicle (2017 and older)
TERM	66 Month
INTEREST RATE APR (AS LOW AS)	7.24%

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. Visit secunm.org/sweet-savings for terms, qualifications, and details.

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%

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

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

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

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	6.297%	6.13%

30 year (fixed)
MAXIMUM AMOUNT FINANCED	80% loan to value
APR	Call for rate 800.983.7328
30 year with 10 year call
MAXIMUM AMOUNT FINANCED	85% loan to value
APR	Call for rate 800.983.7328
15 year (fixed)
MAXIMUM AMOUNT FINANCED	80% loan to value
APR	6.297%
RATE	6.13%

^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
20 year (5 year draw)	80% combined loan to value	7.51%	7.50% variable rate

20 year (5 year draw)
MAXIMUM AMOUNT FINANCED	80% combined loan to value
APR	7.51%
RATE	7.50% 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. 1) 5-year draw with interest-only payments, followed by up-to 15-year repayment period. You can borrow up-to 80% of your home’s maximum loan to Value (LTV), with a maximum loan amount of $250,000. 2) Variable rate based on Wall Street Journal daily published Prime Rate, plus a margin up-to minus 1% determined by applicant’s credit score, with a floor rate of 6.00%APR, Annual Percentage Rate. 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

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

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

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

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%

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

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

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

Other 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
RVs/Trailer Loans	84 Month	8.74%
Motorcycle/Boat Loans	60 Month	7.74%

Share Secured
TERM	60 Month
APR (AS LOW AS)	2.00% over Account
Certificate Secured
TERM	Maturity Date of CD
APR (AS LOW AS)	2.00% over Certificate Rate
RVs/Trailer Loans
TERM	84 Month
APR (AS LOW AS)	8.74%
Motorcycle/Boat Loans
TERM	60 Month
APR (AS LOW AS)	7.74%

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

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

Second Mortgage Loans

TERM	MAXIMUM AMOUNT FINANCED	APR	RATE
20 year - 10 year call	80% combined loan to value	7.892%**	7.75%
10 year - fixed	90% combined loan to value	7.491%**	7.25%
10 year - fixed	80% combined loan to value	7.24%**	7.00%

20 year - 10 year call
MAXIMUM AMOUNT FINANCED	80% combined loan to value
APR	7.892%**
RATE	7.75%
10 year - fixed
MAXIMUM AMOUNT FINANCED	90% combined loan to value
APR	7.491%**
RATE	7.25%
10 year - fixed
MAXIMUM AMOUNT FINANCED	80% combined loan to value
APR	7.24%**
RATE	7.00%

** 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

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

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

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

Quarterly Dividends.

¹Dividend Transfer

²Dividend Transfer and Rising Rate Option Available

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	3.45%	3.49%	3.99%	90 Days Interest
12 Month	$500	3.35%	3.39%	3.89%	90 Days Interest
24 Month¹	$1,000	2.72%	2.75%	3.25%	180 Days Interest
36 Month¹	$1,000	2.77%	2.79%	3.29%	180 Days Interest
48 Month²	$1,000	2.57%	2.60%	3.10%	270 Days Interest
60 Month²	$1,000	2.57%	2.60%	3.10%	270 Days Interest

6 Month
MINIMUM BALANCE	$1,000
RATE	3.45%
APY	3.49%
BONUS RATE⁴	3.99%
EARLY WITHDRAWAL PENALTY	90 Days Interest
12 Month
MINIMUM BALANCE	$500
RATE	3.35%
APY	3.39%
BONUS RATE⁴	3.89%
EARLY WITHDRAWAL PENALTY	90 Days Interest
24 Month¹
MINIMUM BALANCE	$1,000
RATE	2.72%
APY	2.75%
BONUS RATE⁴	3.25%
EARLY WITHDRAWAL PENALTY	180 Days Interest
36 Month¹
MINIMUM BALANCE	$1,000
RATE	2.77%
APY	2.79%
BONUS RATE⁴	3.29%
EARLY WITHDRAWAL PENALTY	180 Days Interest
48 Month²
MINIMUM BALANCE	$1,000
RATE	2.57%
APY	2.60%
BONUS RATE⁴	3.10%
EARLY WITHDRAWAL PENALTY	270 Days Interest
60 Month²
MINIMUM BALANCE	$1,000
RATE	2.57%
APY	2.60%
BONUS RATE⁴	3.10%
EARLY WITHDRAWAL PENALTY	270 Days Interest

Quarterly Dividends.

¹Dividend Transfer

²Dividend Transfer and Rising Rate Option Available

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%
Visa Platinum	Non-variable Rate	7.50%
Visa Gold	Non-variable Rate	9.25%
Visa Classic	Non-variable Rate	12.50%
Line of Credit	Revolving	10.74%

Signature Loans
TERM	36 Month
APR	10.74%
Visa Platinum
TERM	Non-variable Rate
APR	7.50%
Visa Gold
TERM	Non-variable Rate
APR	9.25%
Visa Classic
TERM	Non-variable Rate
APR	12.50%
Line of Credit
TERM	Revolving
APR	10.74%

Popular Searches

Digital Banking Log In

Advantage+ Money Market

Business Money Manager

Business Money Market

First Mortgage Loans

Home Equity Line of Credit

Individual Retirement Accounts

Kasasa Cash*

Kasasa Cash*

Kasasa Saver*

Money Manager

Money Market

Other Secured Loans

Savings Accounts

Second Mortgage Loans

Share Certificates

Share Certificates

Share Certificates

Unsecured Loans