Mastercard Products

Mastercard ProductsIntroductory APR (as low as)Standard APR for Purchases (as low as)
Mastercard Credit Card 6.90%*9.24% After First 6 Months
Mastercard Secured Credit CardN/A7.25%** (Prime Rate + 3.0%)
World Mastercard6.90%*9.24% After First 6 Months
Lightning Credit CardN/A12.24%*** (Prime Rate + 7.99%)

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Annual Percentage Rate on all credit cards is variable. Applies to purchases, balance transfers, and cash advances for a period of 6 billing cycles from the opening of your account; 9.24% thereafter. Published rate assumes creditworthiness. Other rates and terms may apply. Rates accurate as of today - 12/17/2017 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 August 2017, the Prime Rate was 4.25% Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 9.24%. 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 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 August 2017, the Prime Rate was 4.25% Based on this Prime Rate, the corresponding fully indexed annual percentage rate would be 7.25%. Future prime rates and corresponding APRs will vary.

Annual Percentage Rate on all credit cards is variable. Published rate assumes credit worthiness. Other rates and terms may apply. Rates accurate as of 12/17/2017 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 October 2017, the Prime Rate was 4.25%. Based on this Prime Rate, the corresponding fully indexed Annual Percentage Rate is 12.24%. Future Prime Rates and corresponding APRs will vary.