The State Employees Credit Union is a personal credit card from State Employees Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is 9.25% APR (non-variable); rates as of September 1, 2026. Rewards: Earn 1 point per $1 spent (each point = $0.01); apply points as a statement credit or cash back to your checking or savings account; points are good for 36 months from the date earned; 2X points through 12/31/26. Typical credit limit: Credit Limit (up to) $10,000.