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Credit Card

Make purchases anytime, anywhere.

Our Visa® credit card offers a fast and easy way to pay — whether you’re here in Northern New Mexico or anywhere else. It’s accepted just about everywhere. Enjoy competitively low rates and no annual fees with all of our cards. A nice bonus: by making timely payments you can build or repair your credit score.

  • Competitively low, variable rate
  • uChoose Rewards
  • No annual fee
  • Make purchases online or in-store virtually anytime, anywhere
  • Manage securely online at any time


We’re excited to announce improvements to our credit card program, including enhanced security with the new EMV chip, online access to view your account, a new credit card design and electronic statement availability. This will mean a few changes to your account, and we want to make sure you know exactly what’s happening.

  • Provider Change: We’re switching from Mastercard® to Visa®.
  • Activation: Please activate your new card on April 10th. Your card cannot be activated prior to this date. Your Mastercard® credit card will no longer work beginning April 11th.
  • Balance Payments: Your last MasterCard® payment will be due May 3, 2017. Your first VISA® card payment will be due on June 22, 2017 and will have a recurring due date of the 22nd of each month.
  • Auto Payments: If you have automatic payments set up with your current MasterCard®, be sure to contact those merchants and provide them with your new VISA® card information to avoid any interruption in service.


Manage Online Here – Log in to Online Banking
24/7 Cardholder Service: Call 1-855-510-4595

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


Android  |  Apple – Card Valet

Take control of your card with Card Valet. Monitor balances, transactions, turn your card(s) on or off with the click of button, and more. This is the same service that currently works with you debit cards.


uChoose Rewards® will allow you to redeem points on your credit card purchases to use toward shopping, travel, event tickets, gift cards and more.


Get spending flexibility.