Must be a member of the State Employees Federal Credit Union. APR for Purchases, Balance Transfers and Cash Advances: 8.90% Introductory APR for 180 days from the issuance of the card; after that, your APR will be 16.24%. This rate will vary with the market based on Prime Rate. Other rates and terms may apply. Balance Transfer Fee: None. Cash Advance Fee: Either $5 or 3% of the amount of the advance, whichever is greater. Foreign Transaction Fee: 1% of each transaction in US dollars.