Credit union · NCUA insured
State Employees Credit Union Credit Card Rates
Top CarrotState Employees Credit Union credit cards start at 7.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How State Employees Credit Union’s credit card rates compare
Compared with banks and credit unions near Albuquerque, NM, where State Employees Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
State Employees Credit Union
7.50%APR
- Up to
- —
Visa Platinum
2nd-lowest rate
Sandia Area Federal Credit Union
8.74%APR
- Up to
- 17.99% APR
3rd-lowest rate
Kirtland Credit Union
9.50%APR
- Up to
- 16.25% APR
State Employees Credit Union credit card score
95
Credit card score
Higher than 97% of U.S. banks and credit unions
- Purchase APRPurchase APR7.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where State Employees Credit Union 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
Approval and credit limit are subject to credit qualification and underwriting guidelines. Rate offered is based on creditworthiness. Not a deposit account. Rates subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | Non-variable rate. Best for credit scores below 688. Credit limit up to $5,000. No annual fee. No balance transfer fee, but interest accrues on balance transfers from date of transfer. Earns 1 point per $1 spent on eligible purchases (2X points promo 10/1/2026 - 12/31/2026). |
Sources (1)
- secunm.org/loans/loans/credit-card.html · captured Oct 7, 2026
Visa Gold
Approval and credit limit are subject to credit qualification and underwriting guidelines. Rate offered is based on creditworthiness. Not a deposit account. Rates subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.25% | None | Non-variable rate. Best for credit scores 689-729. Credit limit up to $10,000. No annual fee. No balance transfer fee, but interest accrues on balance transfers from date of transfer. Earns 1 point per $1 spent on eligible purchases (2X points promo 10/1/2026 - 12/31/2026). |
Sources (1)
- secunm.org/loans/loans/credit-card.html · captured Oct 7, 2026
Visa Platinum
Approval and credit limit are subject to credit qualification and underwriting guidelines. Rate offered is based on creditworthiness. Not a deposit account. Rates subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.50% | None | Non-variable rate. Best for credit scores 730+. Credit limit up to $25,000. No annual fee. No balance transfer fee, but interest accrues on balance transfers from date of transfer. Earns 1 point per $1 spent on eligible purchases (2X points promo 10/1/2026 - 12/31/2026). |
Sources (1)
- secunm.org/loans/loans/credit-card.html · captured Oct 7, 2026
Who can join State Employees Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.