Credit Card Resource Center

Welcome to the New Credit Card Management System
and Rewards Program

New Features Overview

We have launched a new and improved card management website within online banking. This user-friendly site provides you with easy access to your credit card account, transaction history, statements, and much more. Furthermore, we’re introducing State ECU Rewards, a program designed to offer you more benefits and exciting offers than ever before. Below are some helpful tips to best navigate these enhancements and new programs.

Log into Digital Banking (Coming 10/14/25) to access the new and improved Card Management & Rewards.

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Frequently Asked Questions

  1. How can I make credit card payments?
    You can make payments in the branch, over the phone, online, via bill pay, or through the mail. The payment mailing address for mailing payment and to setup bill pay is:
    State Employee Credit Union
    P.O. Box 37035
    Boone, Iowa 50037
  2. What's the process for making an online payment?
    To make a payment online, you can login to State ECU Digital Banking, and select 'Credit Card Management' under the 'My Spending' tab. You can then enroll in Credit Card Management by creating a username and password. Once logged in, set up a preferred account for the payment to be withdrawn from by entering the routing number and account number.
    You can also make a payment via transfer from a State ECU account directly to your credit card through online or mobile banking.
  3. How do I make a payment via Bill Pay?
    Set up a credit card payment via Bill Pay by entering your credit card account information and payment address.
  4. How do I make a payment in the branch?
    Visit any branch and make a payment with a Branch Representative.
  5. Can I make a payment over the phone?
    Yes, call our Call Center (800-983-7328) and make a payment with a representative.
  6. How do I make a payment through online banking?
    Log in to digital banking and select 'Schedule a Single Transfer' under the 'Move Money' tab. Follow the promts to make a one time immediate, one time in the future, or recurring payment. 
  7. How do I make a payment through mobile banking?
    Log in to Mobile Banking and select the 'Move Money' tab at the bottom of the screen. 
  8. When will my payment reflect in my available credit?
    It takes 24 hours for the payment to process, and then the available credit limit will be adjusted.
  9. Can I schedule automatic transfers from State ECU Online Banking for credit card payments?
    No, automatic transfers can be scheduled through the Card Management link.
  10. Can I see credit card information in Online Banking?
    Yes, enroll in Credit Card Management through Digital Banking under the 'Services & Settings' tab to view transactions, make payments, view statements, and more.
  11. Have payment cycles or due dates changed?
    No, payment due dates are on the 22nd of each month with a cycle date of the 25th.
  12. How do I access and redeem rewards for my credit card purchases?
    Enroll in the Credit Card Management portal, where you can view your reward points, redeem rewards, and explore available options by clicking on "Browse Rewards" on the homepage.
  13. Have my existing rewards transferred to the new Credit Card Management portal?
    Yes, all previous rewards have been successfully transferred to the new site. You can log in to see accumulated rewards upon login.
  14. Who should I contact for credit card support or to dispute a transaction?
    For general credit card inquiries, payments, and disputes, call 1-833-952-3923 anytime. You can also send messages via the State ECU website or online banking portal for assistance.

Step-by-Step Guides

Card Management Enrollment

  1. Access Digital Banking: Go to “Credit Card Management" under the "Services & Settings" tab
  2. Enroll in Credit Card Management: Select 'Enroll'.
  3. Enter Card Details: Provide your card number, CVV/CVC, and expiration date.
  4. Create Account Credentials: Set up a username (minimum 6 characters) and password (minimum 7 characters, including letters, a number, and a symbol).
  5. Set Security Code: Create a personal security code (minimum 4 characters, not the CVV) for added protection.
  6. Authorize Devices: Choose to authorize your computer or trusted devices.
  7. eStatements Enrollment: Opt-in or opt-out. If opting in, enter and confirm your email address, and accept Terms and Conditions.
  8. Completion: Confirm all details to complete enrollment.

Card Payment with Plaid

  1. Access the Payments Tab: From the home screen, click on 'Payments' then 'Payment Accounts'.
  2. Add a Payment Account: Click on 'Add Payment Account'.
  3. Connect with Plaid: Follow the prompt to connect with Plaid.
  4. Phone Verification: Enter your phone number, receive a code via text, and enter the code.
  5. Select Credit Union: Search for and select your credit union.
  6. Enter Banking Credentials: Input your online/mobile banking username and password.
  7. Choose Payment Account: Select the account you wish to make payments from.
  8. Account Setup: Enter an account nickname, opt to make it the default (optional), and submit.
  9. Completion: Your payment account setup is now complete, and you can proceed to make payments.

Access State ECU Card Rewards

  1. Access Digital Banking: Go to “Credit Card Management" under the "Services & Settings" tab.
  2. Click the Home Icon: Access your “Account Overview” page.
  3. In the Teal Rewards Balance box: Click “Browse Rewards.”
  4. Set Up Your Profile: Browse and redeem the available rewards with your points.

Make a Payment Through Online Banking

  1. Access Digital Banking: Select the "Move Money" tab
  2. Select a Single, Multiple, or Advanced Transfer.
  3. You will be prompted to apply your account selection from the drop down.
  4. You can set up recurring payments, but will want to be aware that your minimum payment may update each month.

Make a Payment Through Mobile Banking

  1. Access Mobile Banking through our Mobile Banking app: Select "Move Money" from the menu at the bottom of the screen. 
  2. On this page, you'll be able to select the options you wish to complete your payment.

Member Support

Need assistance? Contact us at 1-800-983-7328. Our team is here to help with any questions or concerns.

Inquiries, payments, and disputes: Call 1-855-510-4595 anytime. You may also send messages via the State ECU website or online banking portal for assistance.

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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)
Promotional Rate 84 Month 3.99%**
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.

** Floor rate of 3.99% APR (Annual Percentage Rate) max term 84 months. Existing State ECU auto loans are not eligible. Minimum of $10,000. On approved credit, rates, terms, and eligibility are based on creditworthiness and other qualifications. Expires August 31, 2026.

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 6.166% 6.00%

^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 6.76% 6.75% 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%

R.V. and Power Sport Loans

RECREATION LOANS MAX TERM APR (AS LOW AS)
New RV/Trailer/Tractor Loans (2025 - 2027) (Cost over $40,000) 180 Month 8.74%
New RV/Trailer/Tractor Loans (2025 - 2027) (Cost under $40,000) 144 Month 8.74%
Used RV/Trailer/Tractor Loans (2020 - 2024) 144 Month 9.24%
Used RV/Trailer/Tractor Loans (2017 - 2019) 120 Month 9.74%
New Motorcycle/Boat Loans (2025 - 2027) (Cost over $20,000) 84 Month 7.74%
Used Motorcycle/Boat Loans (2020 - 2024) (Cost under $20,000) 75 Month 7.99%
Used Motorcycle/Boat Loans (2020 - 2024) 84 Month 8.24%
Used Motorcycle/Boat Loans (2015 - 2019) 66 Month 9.74%

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 7.78%** 7.63%
10 year - fixed 90% combined loan to value 7.386%** 7.13%
10 year - fixed 80% combined loan to value 7.135%** 6.88%

** 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 3.05% 3.10% 3.60% 90 Days Interest
12 Month $500 3.00% 3.05% 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%