MAKE YOUR GOOD TIMES EVEN BETTER.
The Macarena, The Charleston, The Chicken Dance — however you get down, Kasasa Tunes® rewards you for it. Get $10 in refunds on purchases from iTunes®, Amazon®, or Google Play™ just for opening your account.* After that, you’ll earn $5 in refunds every month.* Plus, sashay your way to any ATM and get refunds on ATM withdrawal fees, nationwide* — so you can focus on your moves (instead of fees).
- Free checking that pays you to shop online
- $5 in refunds for iTunes®, Amazon.com®, Google Play™, or Pandora® purchases each month*
- $10 in refunds for iTunes, Amazon.com, Google Play, or Pandora purchases when you open your account*
- Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
- No minimum balance to earn rewards
- No monthly service fee
- Free online banking & bill pay
- Free eStatements
- Free mobile banking
- Free Visa® debit card
- Free telephone banking
- Unlimited check writing
- No minimum deposit to open
Earning rewards is simple.
To earn your rewards, just do the following transactions and activities in your Kasasa Tunes 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. And you can get right back to earning your rewards the very next cycle that you qualify.
*You will be refunded up to $10 for iTunes®, Amazon.com®, Spotify®, Google Play Music® and/or Pandora® purchases that post and settle to the account during the first 90 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes, Amazon.com, Spotify, Google Play Music and/or Pandora purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post and settle to the account. The following activities do not count toward earning account rewards: ATM transactions, transfers between accounts, or debit-card transactions processed by merchants and received by State Employees Credit Union as ATM transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon, Inc. Spotify is a registered trademark of Spotify USA Inc. Pandora.com is a registered trademark of Pandora Media, Inc. Google Play Music is a registered trademark of Google Inc. Apple Inc., Amazon, Inc., Spotify USA Inc., Google Inc., and Pandora Media, Inc. are not participants in or sponsors of this program. Limit 1 account per social security number and one account opening bonus per account per calendar year.
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 (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% |
Must add 1% to vehicles >100k miles
Must use J.D. Power retail on new 2023 models
| 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% |
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 | 6.42% | 6.25% |
^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 | 7.57% | 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 75% 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. $300 document preparation fee and a $75 annual fee apply. On approved credit. Offer begins 10/1/2024 and expires 12/31/2024.
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% |
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% |
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 | 8.28%** | 8.13% |
| 10 year - fixed | 90% combined loan to value | 7.89%** | 7.63% |
| 10 year - fixed | 80% combined loan to value | 7.64%** | 7.38% |
** 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 |
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 | 3.89% | 3.95% | 4.45% | 90 Days Interest |
| 12 Month | $500 | 3.64% | 3.69% | 4.19% | 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 | 2.57% | 2.60% | 3.10% | 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% |
| 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% |