E-Signatures with State ECU and DocuSign
E-Signature technology lets you access, review and sign State ECU documents remotely and securely. It's free of charge, there's no paper to print or post, and it can be done from anywhere with your computer, tablet, or smartphone.
We use DocuSign for various member services and account documentation. You will be given the option by our State ECU team to use DocuSign depending on the documentation needed.
Sign. Simple. Secure.
Quickly and securely access and sign documents at any time. Signing through DocuSign is always free!
For more information and guides about DocuSign: https://support.docusign.com/en/
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What is an electronic signature?
An electronic signature (or E-Signature) is an electronic method of identifying a person and allowing them to complete, sign and submit a document at their convenience.
How is my E-Signature captured?
Your e-signature is a version of your name, selected by you and accompanied by a similar version of your initials. Each electronic signature is unique, and encrypted using industry standard technology.
If I have questions about DocuSign, who should I contact?
If you have any questions about using DocuSign, general information can be found on DocuSign's own support site at https://support.docusign.com/.
If you have questions about a document State ECU has sent to you via DocuSign, please contact your Member Service Representative, who can provide answers about the document.
Who can use DocuSign?
DocuSign is available to State ECU, our staff, and our members. You must have a valid email address to use DocuSign for eligible transactions.
The terms and conditions you signed when you opened your State ECU account also apply to the use of DocuSign; nonetheless, when you start to use the system, we'll ask you to give explicit consent to use the technology.
Do I need to pay for DocuSign, or create an account to sign?
No, you do not need to pay or create a DocuSign account to sign a document.
Do I need special software or hardware to use DocuSign?
No. It will work on most modern computers, laptops, tablets and smartphones capable of accessing the internet. You don't need to download and install any extra software.
I'm concerned about the security of my personal information. Is DocuSign secure?
Yes. State ECU is committed to providing security and peace of mind for all our members. DocuSign meets the most rigorous security industry certification standards, and exceeds industry best practice for data protection, data transmission and secure storage.
What can I do to keep my documents safe?
While DocuSign is perfectly safe and secure, there are some extra precautions you can take:
- Remember that we will only send a DocuSign email to the email address you provided us.
- Never share or forward a DocuSign email, or your access code.
- Do not sign a document if you suspect that your email address or mobile number might have been compromised; contact us immediately to update you contact information.
What if the email I received from DocuSign/State ECU is lost or deleted?
If the email is lost or deleted please contact your Member Service Representative and request that they resend your document.
What if I am asked to sign, but I see incorrect information on the form?
In this case, you can click “Decline to Sign” in the dropdown menu on the right corner of the form. Then, please contact your Member Service Representative. We’ll work with you to edit and correct the form before it is signed. Please do not sign a form with incorrect information on it.
I would prefer to fill out my document(s) in paper form. Is this possible?
Yes. While we encourage you to experience the paperless way of signing documents, you are welcome to sign in paper form if preferred.
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% |