Must be a member of the State Employees Federal Credit Union. This card is secured with funds on deposit equal to your approved credit limit plus an additional 10% as collateral for your credit card loan, and you'll continue to earn interest on your secured funds. APR for Purchases, Balance Transfers and Cash Advances: 6.25%; this APR will vary with the market based on the Prime Rate. Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater. Balance Transfer Fee: None. Foreign Transaction Fee: 1.0% of each transaction in U.S. dollars.