SEFCU Mastercard® Credit Card


A great interest rate

From essentials to splurges - whatever you put on your SEFCU Mastercard, you earn 1x points for each purchase. Points can be redeemed for merchandise, gift cards, cash back*, and more. Plus, enjoy a great interest rate.



shopping bag

1x points

on that double espresso
on lunch with your friends
on the latest bestseller
on everything!

Features & Benefits

Cash back and No annual fee

  • $0 fraud liability** protects you 24/7
  • No balance transfer fee
  • No foreign transaction fee
SEFCU Mastercard


Fees & Rates

Current Rates

APR for Purchases and Balance Transfers APR for Cash Advances
As low as 11.99%*** As low as 13.99%***


Item Fee
Annual Fee No fee
Balance Transfer Fee No fee
Cash Advance Fee No fee
Foreign Transaction Fee No fee
Late Payment Fee Up to $25
Returned Payment Fee Up to $25


See which card is best for you

SEFCU Mastercard®

  • No annual fee
  • 1x points on every purchase
  • $0 fraud liability**

SEFCU Lightning Credit Card

  • 3x points on groceries, 2x cash back on online purchases, and 1x points on everything else. 
  • No annual fee
  • $0 fraud liability

View Lightning Credit Card

Apply Now

Apply for a SEFCU Mastercard Credit Card today

Current SEFCU member?

Apply Today

Not a member?


View documentation required for your loan application

Visit a branch near you

Call 800-727-3328



Lower APR

SEFCU Mastercard®

1x points on all purchases

Lowest APR of all SEFCU credit cards

View Credit Card

More to think about...

Products, services, terms, and conditions are subject to change without notice. All loans are subject to creditworthiness. SEFCU membership is required.
* Converting points into cash back is one of several redemption options. Please note there is a $5 or 500-point redemption fee associated with this cash back option. Cash back takes the form of a statement credit.
** Certain restrictions apply. See for details.
*** 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, March 21, 2023, 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 November 15, 2022, the Prime Rate was 7.00%. Future Prime Rates and corresponding APRs will vary.
Review complete disclosures here.