Credit union · NCUA insured
State Employees' Credit Union Credit Card Rates
Top CarrotState Employees' Credit Union credit cards start at 11.50% 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 Raleigh, NC, where State Employees' Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
State Employees' Credit Union
11.50%APR
- Up to
- 14.50% APR
Classic
Lowest rate
Summit Credit Union
8.95%APR
- Up to
- 16.95% APR
2nd-lowest rate
ElecTel Cooperative Federal Credit Union
9.90%APR
- Up to
- —
State Employees' Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
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.
Cash Rewards
Must be at least 18 years old or eligible for lending services. New lending restricted to residents of NC, SC, TN, GA, or VA. Limited to being contractually liable on 3 total SECU Visa credit card accounts. Variable APR based on U.S. Prime Rate plus margin (7.50% - 10.50%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.50%–17.50% | None | Variable APR on purchases equals Prime + margin of 7.50% - 10.50% based on creditworthiness. No annual fee. |
| Intro, 12 months | 0.00% | None | 0% introductory APR for the first 12 months on balances transferred within the first 90 days after account opening, then 14.50% - 17.50% variable APR. Subject to a balance transfer fee of 3% or $5, whichever is greater. |
| Ongoing | 18.00% | None | Fixed APR of 18.00% for cash advances. |
Sources (2)
All captured Oct 22, 2026
Classic
Must be at least 18 years old or eligible for lending services. New lending restricted to residents of NC, SC, TN, GA, or VA. Limited to being contractually liable on 3 total SECU Visa credit card accounts. Variable APR based on U.S. Prime Rate plus margin (4.50% - 7.50%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50%–14.50% | None | Variable APR on purchases equals Prime + margin of 4.50% - 7.50% based on creditworthiness. No annual fee. |
| Intro, 12 months | 0.00% | None | 0% introductory APR for the first 12 months on balances transferred within the first 90 days after account opening, then 11.50% - 14.50% variable APR. Subject to a balance transfer fee of 3% or $5, whichever is greater. |
| Ongoing | 18.00% | None | Fixed APR of 18.00% for cash advances. |
Sources (2)
All captured Oct 22, 2026
Points Rewards
Must be at least 18 years old or eligible for lending services. New lending restricted to residents of NC, SC, TN, GA, or VA. Limited to being contractually liable on 3 total SECU Visa credit card accounts. Variable APR based on U.S. Prime Rate plus margin (7.50% - 10.50%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.50%–17.50% | None | Variable APR on purchases equals Prime + margin of 7.50% - 10.50% based on creditworthiness. No annual fee. |
| Intro, 12 months | 0.00% | None | 0% introductory APR for the first 12 months on balances transferred within the first 90 days after account opening, then 14.50% - 17.50% variable APR. Subject to a balance transfer fee of 3% or $5, whichever is greater. |
| Ongoing | 18.00% | None | Fixed APR of 18.00% for cash advances. |
Sources (2)
All captured Oct 22, 2026
Who can join State Employees' Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active (including part-time) and former employees of BCBSNC Credit Union are eligible for membership.
- Active (including part-time) and former employees of Blue Cross Blue Shield of North Carolina, Inc. are eligible for membership.
- Active (including part-time) and former employees of any subsidiary organization of Blue Cross Blue Shield of North Carolina, Inc. are eligible for membership.
- Active (including part-time) and former employees of Cahaba Benefit Administrators, a division of Blue Cross and Blue Shield of Alabama (located in NC), are eligible for membership.
- Active (including part-time) and former employees of Manpower Group who work at BCBSNC are eligible for membership.
- Active (including part-time) and former employees of Palmetto Government Business Administrators, a division of Blue Cross Blue Shield of South Carolina (located in NC), are eligible for membership.
12 more ways to join
Employers and groups
- Active (including part-time) and former employees of Topaz Shared Services, Durham, NC are eligible for membership.
Military, government and schools
- Employees of federal agencies assigned to North Carolina state agencies are eligible for membership.
- Employees of North Carolina public boards of education are eligible for membership.
- Employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense (i.e., Emergency Management) are eligible for membership.
- Employees of associations formed for the benefit of state of North Carolina employees (e.g., State Employees Association of North Carolina) are eligible for membership.
- Members of the North Carolina National Guard are eligible for membership.
- Employees of agencies or departments whose employees are otherwise subject to the North Carolina State Personnel Act (now known as the North Carolina Human Resources Act), with certain exclusions, are eligible for membership.
- Employees of the state of North Carolina are eligible for membership.
- Individuals retired as pensioners and/or annuitants from qualifying state, education, county department, association, assigned federal, or National Guard employment or service are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships) of an existing member are eligible for membership.
- Persons living in the same residence maintaining a single economic unit with a current member are eligible for membership.
- Un-remarried spouses of persons who died while in the field of membership are eligible for membership.
Cost to join
- Membership requires opening a share account with a minimum deposit of $25 (at least five shares at $5 each), or $5 (one share) for children under 13 years of age.
Membership information collected October 4, 2026.