Mastercard® ProductsAPR for Purchases & Balance Transfers (as low as)APR for Cash Advances (as low as)
Lightning Credit Card12.49%*14.49%*
Mastercard Credit Card 9.49%*11.49%*
World Mastercard10.49%*12.49%*
Mastercard Secured Credit Card7.50%**9.50%**

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Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers, and cash advances. Published rate assumes credit worthiness. Other rates and terms may apply. Rates accurate as of today, 5/22/2018, and subject to change without notice. The Annual Percentage Rate is subject to change quarterly to reflect any changes in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. The new rate will be effective with the first billing cycle of April, July, October, and January, respectively. As of February 2018, the Prime Rate is 4.50%. Future Prime Rates and corresponding APRs will vary.

Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers and cash advances. This is based upon the card being secured by a SEFCU Mint Savings, SEFCU Preferred Savings, or SEFCU Share Certificate with a balance equal to the approved credit limit plus an additional 10%. Rates accurate as of today, 5/22/2018, and subject to change without notice. The Annual Percentage Rate is subject to change quarterly to reflect any change in the Index and will be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July, and October) as published in The Wall Street Journal “Money Rates” table to which we add a margin. The new rate will be effective with the first billing cycle of April, July, October, and January, respectively. As of February 2018, the Prime Rate is 4.50%. Future Prime Rates and corresponding APRs will vary.