MasterCard Products

MasterCard ProductsIntroductory APR (as low as)Standard APR (as low as)
MasterCard Credit Card 6.90%*8.24% After First 6 Months
MasterCard Secured Credit CardN/A6.25%** (Prime Rate + 3.0%)


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Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers, and cash advances for the first 6 billing cycles; 8.24% thereafter. Published rate assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - 9/1/2015 and subject to change without notice. The Finance Charge (interest) on purchases, balance transfers, and cash advances is calculated by adding 4.99% to the highest Prime Rate published in the Wall Street Journal on the second Tuesday of February, May, August, and November. The new rate will be effective with the first billing cycle of April, July, October, and January respectively. As of February 2015, the Prime Rate was 3.25% Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 8.24%. Future prime rates and corresponding APRs will vary.



Applies to purchases, balance transfers, and cash advances; Prime Rate plus 3.0%. This is based upon the card being secured by SEFCU Mint Savings, SEFCU Preferred Savings, or SEFCU Share Certificate with a balance equal to the approved credit limit plus an additional 10%. The Finance Charge (interest) on purchases, balance transfers, and cash advances is calculated by adding 3.0% to the highest Prime Rate published in the Wall Street Journal on the second Tuesday of February, May, August, and November. The new rate will be effective with the first billing cycle of April, July, October, and January respectively. As of February 2015, the Prime Rate was 3.25% Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 6.25%. Future prime rates and corresponding APRs will vary.