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Illustration of a shiny, orange credit card
Illustration of a shiny, orange credit card
Illustration of a shiny, orange credit card
stcu mastercard

0% intro APR for 18 months.*

APR thereafter.*

Did somebody say fixed-rate?

We did! Try our fixed-rate STCU Mastercard.

If a rewards card isn't for you, we've still got you covered! Our STCU Mastercard can be used at all the same places, in all the same ways, but with a fixed-rate and no annual fee!

Features and benefits.

  • No annual fee!
  • Take advantage of 0% intro APR for 18 months (11.99-22.99 APR thereafter)*.
  • Get instant digital access with Card Management, plus control when, where, and how your card is used.
  • Use your card in-person, online, or in Apple Pay, Google Pay, Mastercard Click to Pay, and Samsung Pay.
  • Lifestyle and travel benefits like HealthLock for Mastercard and travel accident & baggage delay insurance.1

See all benefits and features

Stay safe with your STCU Mastercard.

With the card management tool in online banking and the mobile app, you can control when, where, and how your debit and credit cards are used, set alerts, access your cards digitally, and more. See the details on card management.

In addition, you also get:

  • Mastercard ID Theft Protection and identity fraud expense reimbursement.1
  • Fraud text alerts.
  • Zero liability protection against unauthorized transactions.2

Cardholder support.

If you need to get in touch with us, you can contact us anytime.


*All loans subject to approval. 0% intro annual percentage rate (APR) for 18 months on purchases. Thereafter, the rate is 11.99-22.99 APR for traditional cards. No balance transfer fee after 90 days. Introductory rate availability based on creditworthiness. Not all applicants will qualify for these rates.

1Certain restrictions apply. See the guide to benefits for STCU Mastercard.

2Certain restrictions apply. See

View the Traditional Mastercard disclosure and the Traditional Mastercard agreement.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Inc.