Skip to main content
STCU Log in >
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.*

Apply now

View rates and terms

Compare all cards

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 (9.99-20.99 APR thereafter)*.
  • Use your card in-person, online, or in Apple Pay, Google Pay, Mastercard Click to Pay, and Samsung Pay.
  • Travel accident insurance.1
  • And more!


See all credit card 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:

  • Identity theft resolution and 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 9.99-20.99 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.