SAVE FOR A TRIP, HOLIDAY SPENDING, OR ANY SPECIAL OCCASION!

Whether you’re planning a trip, saving for a wedding, or want to put away extra cash for the holidays, a club account can help you get there. Easily build your savings year-round via direct deposits or automatic transfers. Your balance earns competitive dividends until it’s time to enjoy those savings.

benefits
  • Save for your next vacation year-round
  • Easily build savings via
    • Direct deposits
    • Automatic transfers
  • No monthly service fee
  • Earns competitive dividends
    • On balances of $300 or more
    • Dividends paid quarterly
  • Free online banking
  • Free eStatements
  • Free mobile banking
  • Free telephone banking
  • No minimum deposit to open
Adventure is right around the corner...so start saving today!

Advantage+ Money Market

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

 

$100,000 minimum balance
RATE2.45%
APY2.50%
BONUS RATE43.00%

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%

 

New Vehicle  (2022 - 2026)
TERM66 Month
INTEREST RATE APR (AS LOW AS)5.94%
New Vehicle (Cost over $15,000)
TERM75 Month
INTEREST RATE APR (AS LOW AS)6.24%
New Vehicle (Cost over $25,000)
TERM84 Month
INTEREST RATE APR (AS LOW AS)6.49%
Used Vehicle Max Mileage 65K (2018-2021)
TERM84 month
INTEREST RATE APR (AS LOW AS)7.24%
Used Vehicle (2018 - 2021)
TERM75 Month
INTEREST RATE APR (AS LOW AS)6.74%
Used Vehicle Max Mileage 65K (2017-2021)
TERM75 Month
INTEREST RATE APR (AS LOW AS)7.74%
Used Vehicle (2017 and older)
TERM66 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

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)
TERM66 Month
INTEREST RATE APR (AS LOW AS)2.69%
New Vehicle (Cost over $15,000)
TERM75 Month
INTEREST RATE APR (AS LOW AS)2.99%
New Vehicle 
(Cost over $25,000)
TERM84 Month
INTEREST RATE APR (AS LOW AS)3.09%
Used Vehicle 
(2015 - 2018)
TERM72 Month
INTEREST RATE APR (AS LOW AS)3.24%
Used Vehicle 
(2014 and older)
TERM60 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
RATE0.10%
APY0.10%
$10,000 - $49,999.99
RATE0.20%
APY0.20%
$50,000 - $249,999.99
RATE0.30%
APY0.30%
$250,000 - $499,999.99
RATE0.35%
APY0.35%
$500,000 and above
RATE0.45%
APY0.45%

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
RATE0.15%
APY0.15%
$10,000 - $49,999.99
RATE1.75%
APY1.75%
$50,000 - $249,999.99
RATE2.00%
APY2.00%
$250,000 - $499,999.99
RATE2.25%
APY2.25%
$500,000 and above
RATE2.50%
APY2.50%

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%
30 year (fixed)
MAXIMUM AMOUNT FINANCED80% loan to value
APRCall for rate 800.983.7328
30 year with 10 year call
MAXIMUM AMOUNT FINANCED85% loan to value
APRCall for rate 800.983.7328
15 year (fixed)
MAXIMUM AMOUNT FINANCED80% loan to value
APR6.166%
RATE6.00%

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

 

20 year (5 year draw)
MAXIMUM AMOUNT FINANCED80% combined loan to value
APR 7.51% 
RATE7.50% 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
RATE0.40%
APY0.40%
MINIMUM BALANCE$0
Roth
RATE0.40%
APY0.40%
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
RATE1.53%
APY1.55%
Balances over $50,000
RATE0.30%
APY1.55% to 0.72%
All balances if qualifications are not met
RATE0.05%
APY0.05%

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
RATE1.10%
APY1.10%
Balances over $50,000
RATE0.30%
APY1.10% to 0.57%
All balances if qualifications are not met
RATE0.05%
APY0.05%

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%
Balances up to $50,000
RATE0.60%
APY0.60%
Balances over $50,000
RATE0.30%
APY0.60% to 0.40%
All balances if qualifications are not met
RATE0.05%
APY0.05%

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
RATE0.10%
APY0.10%
$10,000 - $24,999
RATE0.15%
APY0.15%
$25,000 - $49,999
RATE0.20%
APY0.20%
Over $50,000
RATE0.30%
APY0.30%

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
RATE0.15%
APY0.15%
$10,000 - $49,999
RATE1.75%
APY1.75%
$50,000 - $249,999
RATE2.00%
APY2.00%
$250,000 and above
RATE2.25%
APY2.25%

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
TERM60 Month
APR (AS LOW AS)2.00% over Account
Certificate Secured
TERMMaturity Date of CD
APR (AS LOW AS)2.00% over Certificate Rate
RVs/Trailer Loans
TERM84 Month
APR (AS LOW AS)8.74%
Motorcycle/Boat Loans
TERM60 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
RATE0.15%
APY0.15%
BALANCE REQUIRED$5
MINIMUM BALANCE TO EARN DIVIDENDS$300
Special Savings
RATE0.15%
APY0.15%
BALANCE REQUIRED$0
MINIMUM BALANCE TO EARN DIVIDENDS$300
Club Accounts
RATE0.15%
APY0.15%
BALANCE REQUIRED$0
MINIMUM BALANCE TO EARN DIVIDENDS$300
Uniform Gift to Minor Account
RATE0.15%
APY0.15%
BALANCE REQUIRED$0
MINIMUM BALANCE TO EARN DIVIDENDS$300
Certificate Builder
RATE0.30%
APY0.30%
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 7.90%** 7.75%
10 year - fixed 90% combined loan to value 7.51%** 7.25%
10 year - fixed 80% combined loan to value 7.26%** 7.00%
20 year - 10 year call
MAXIMUM AMOUNT FINANCED80% combined loan to value
APR7.90%**
RATE7.75%
10 year - fixed
MAXIMUM AMOUNT FINANCED90% combined loan to value
APR7.51%**
RATE7.25%
10 year - fixed
MAXIMUM AMOUNT FINANCED80% combined loan to value
APR7.26%**
RATE7.00%

** 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
RATE4.426%
APY4.50%
BONUS RATE45.00%
EARLY WITHDRAWAL PENALTY90 Days Interest
12 Month
MINIMUM BALANCE$500
RATE3.21%
APY3.25%
BONUS RATE43.75%
EARLY WITHDRAWAL PENALTY90 Days Interest
24 Month1
MINIMUM BALANCE$1,000
RATE2.72%
APY2.75%
BONUS RATE43.25%
EARLY WITHDRAWAL PENALTY180 Days Interest
36 Month1
MINIMUM BALANCE$1,000
RATE2.87%
APY2.90%
BONUS RATE43.40%
EARLY WITHDRAWAL PENALTY180 Days Interest
48 Month2
MINIMUM BALANCE$1,000
RATE2.97%
APY3.00%
BONUS RATE43.50%
EARLY WITHDRAWAL PENALTY270 Days Interest
60 Month2
MINIMUM BALANCE$1,000
RATE3.06%
APY3.10%
BONUS RATE43.60%
EARLY WITHDRAWAL PENALTY270 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
RATE1.50%
APY1.51%
EARLY WITHDRAWAL PENALTY90 Days Interest
7 Month
MINIMUM BALANCE$1,000
RATE3.00%
APY3.03%
EARLY WITHDRAWAL PENALTY90 Days Interest
12 Month
MINIMUM BALANCE$500
RATE1.65%
APY1.66%
EARLY WITHDRAWAL PENALTY90 Days Interest
15 Month
MINIMUM BALANCE$1,000
RATE2.00%
APY2.02%
EARLY WITHDRAWAL PENALTY90 Days Interest
24 Month1
MINIMUM BALANCE$1,000
RATE2.10%
APY2.12%
EARLY WITHDRAWAL PENALTY180 Days Interest
36 Month1
MINIMUM BALANCE$1,000
RATE2.20%
APY2.22%
EARLY WITHDRAWAL PENALTY180 Days Interest
48 Month2
MINIMUM BALANCE$1,000
RATE2.30%
APY2.32%
EARLY WITHDRAWAL PENALTY270 Days Interest
60 Month2
MINIMUM BALANCE$1,000
RATE2.40%
APY2.42%
EARLY WITHDRAWAL PENALTY270 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

 

6 Month
MINIMUM BALANCE$1,000
RATE3.89%
APY3.95%
BONUS RATE44.45%
EARLY WITHDRAWAL PENALTY90 Days Interest
12 Month
MINIMUM BALANCE$500
RATE3.64%
APY3.69%
BONUS RATE44.19%
EARLY WITHDRAWAL PENALTY90 Days Interest
24 Month1
MINIMUM BALANCE$1,000
RATE2.72%
APY2.75%
BONUS RATE43.25%
EARLY WITHDRAWAL PENALTY180 Days Interest
36 Month1
MINIMUM BALANCE$1,000
RATE2.87%
APY2.90%
BONUS RATE43.40%
EARLY WITHDRAWAL PENALTY180 Days Interest
48 Month2
MINIMUM BALANCE$1,000
RATE2.57%
APY2.60%
BONUS RATE43.10%
EARLY WITHDRAWAL PENALTY270 Days Interest
60 Month2
MINIMUM BALANCE$1,000
RATE2.57%
APY2.60%
BONUS RATE43.10%
EARLY WITHDRAWAL PENALTY270 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%
Signature Loans
TERM36 Month
APR10.74%
Visa Platinum
TERMNon-variable Rate
APR7.50%
Visa Gold
TERMNon-variable Rate
APR9.25%
Visa Classic
TERMNon-variable Rate
APR12.50%
Line of Credit
TERMRevolving
APR10.74%