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In the effort of continuing to educate our youth on financial responsibility, State Employees' Credit Union offers members ages 13-19 the opportunity to participate in our Zard program for teens. Focused on helping teens develop solid money management skills, the Zard program offers teens a variety of products and services tailored to meet their needs.


  • The Zard Share account current interest rate is % / % APY1
  • Variety of deposit account options
  • $ minimum opening deposit
  • $25 required minimum balance2
  • Unique loan programs with competitive interest rates including new and used vehicle loans
  • Zard Card - a Visa Check or CashPoints® card for ATM, ASK SECU and Internet account access
  • Money Matterz Newsletter
  • Zard website - a site designed specifically for our Zard members
  • Eligible to receive group term life insurance coverage in the amount of $1,000 at no cost

Group Term Life Insurance Coverage

The teen is eligible to receive group term life insurance coverage in the amount of $1,000 at no cost. The teen (if age 15 or older) has the option to purchase an additional $9,000 of life insurance coverage through SECU Life Insurance Company at an annual cost of $18. If the teen is not age 15 or older, a parent/guardian can purchase the additional $9,000 of coverage on their behalf.

For detailed information about Zard services, visit the Zard website.

1 Quoted rates and annual percentage yields (APY) are subject to change daily.
2 Minimum balance required to maintain membership and utilize SECU services.

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For immediate assistance, contact your local branch.

After hours, you may contact our Member Services at (888) 732-8562.
*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.