Credit union · NCUA insured
Southeast Michigan State EFCU Credit Card Rates
Southeast Michigan State EFCU credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 23, 2026.
How Southeast Michigan State EFCU’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where Southeast Michigan State EFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Southeast Michigan State EFCU
8.90%APR
- Up to
- 13.92% APR
VISA Platinum
Lowest rate
Construction Federal Credit Union
6.87%APR
- Up to
- —
2nd-lowest rate
Polish-American FCU
6.90%APR
- Up to
- —
Southeast Michigan State EFCU credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southeast Michigan State EFCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Classic
Fixed rate. No annual fee. No over-the-limit fees. No cash advance fees. Balance transfer options.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Fixed rate option of 8.90% or 13.92% offered across Classic and Platinum cards; transaction type not specified. |
| Ongoing | 13.92% | None | Fixed rate option of 8.90% or 13.92% offered across Classic and Platinum cards; transaction type not specified. |
Sources (1)
- smsefcu.com/borrow/credit-cards · captured Oct 23, 2026
VISA Platinum
Fixed rate. No annual fee. No over-the-limit fees. No cash advance fees. Balance transfer options.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Fixed rate option of 8.90% or 13.92% offered across Classic and Platinum cards; transaction type not specified. |
| Ongoing | 8.90%–13.92% | None | Fixed rates of 8.90% or 13.92%. No annual fee. Transaction types not specified. |
Sources (1)
- smsefcu.com/borrow/credit-cards · captured Oct 23, 2026
Who can join Southeast Michigan State EFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Individuals employed by local governments in Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, or Wayne County are eligible to join.
- Retirees of the State of Michigan and eligible local governments are welcome to join.
- Employees of the State of Michigan are eligible to join.
Family and household
- Immediate family members of eligible State of Michigan employees, local government employees, and retirees are eligible to join.
Cost to join
- An initial deposit of at least $5 into a share (savings) account is required to secure membership.
Membership information collected October 5, 2026.