The State Employees Credit Union is a mortgage from State Employees Credit Union. The ongoing APR is 15 year (fixed) 6.669% APR, 6.50% rate; 30 year (fixed): Call for rate 800.983.7328; 30 year with 10 year call: Call for rate 800.983.7328. Loan terms: 30 year (fixed); 30 year with 10 year call; 15 year (fixed).