Credit Cards · August 2026
SECU compares three cards clearly while its application page stays blank
An AI agent ran five ordinary credit cards tasks on the public pages of State Employees' Credit Union and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Credit union
74/100
Mystery Agent score
Credit Cards · rank 10 of 25
Purchase APR
92Served as text
Card comparison
90Served as text
Pricing and terms
88Served as PDF
Welcome offer
78Served as text
Application page
20Arrives after scripts
Summary
- The hub page lays out three Visa cards side by side with annual fee, APR range, and reward rate for each.
- An automated reader extracted the full Schumer box from the Cash Rewards card's terms PDF, covering every APR and fee category.
- The application link for every card resolves to the same page, a 2-kilobyte script shell with zero visible form fields.
State Employees' Credit Union also appears in the Deposits study, where it scores 89 and ranks 1 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Purchase APRServed as text92 out of 100
The credit union states the Cash Rewards Visa carries a 14.25% to 17.25% variable APR on purchases and balance transfers, repeated on the card's own page and confirmed to the decimal in its terms PDF.
Task 02Card comparisonServed as text90 out of 100
The hub page lists Cash Rewards at 1.5% cash back plus a 0.5% direct-deposit bonus, Points Rewards at 3x gas and 2x restaurant points, and Classic at a lower 11.25% to 14.25% APR as the straightforward low-rate option.
Task 03Pricing and termsServed as PDF88 out of 100
The Cash Rewards card's terms PDF publishes a complete rate and fee table: purchase APR 14.25% to 17.25%, cash advance APR 18.00%, a $0 annual fee, and late fees up to $20.
Task 04Welcome offerServed as text78 out of 100
The hub and card pages describe an ongoing 0.5% Bonus Rewards credit for qualifying direct deposit rather than a one-time welcome bonus, and consistently frame card rewards as an everyday earning structure.
Task 05Application pageArrives after scripts20 out of 100
A plain fetch of the shared application link for every card returned 2,190 bytes of an empty single-page-app shell titled Digital Banking, with 15 characters of visible text and zero input fields.
Cash Rewards pairs 1.5% cash back with a 0.5% bonus for qualifying direct deposit, for up to 2.0% total.
The application page
What the account opening page states to a reader that runs no scripts.
2,190Bytes delivered
15Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- SECU publishes a complete, plain-text three-card comparison (Cash Rewards, Points Rewards, Classic) on a single hub page, with APR ranges, reward rates, and differentiators all readable without a script running.
- The Important Terms PDF for each card is a genuine Schumer-box disclosure, fully extractable with pdftotext, covering every fee category, the Prime Rate margin math, and application conditions in one document.
- Robots.txt leaves all consumer-facing card content open and only blocks internal admin paths, so nothing on the shopping route is fenced off by policy.
Opportunities
- Publish a plain-text or lightweight HTML version of the application entry point. The current application page is a 2 KB script shell with zero visible text and zero form fields, so an agent reading delivered HTML learns nothing about the application process at that URL even though the surrounding card pages disclose eligibility and identity-verification requirements well.
- Add an llms.txt file. The current request returns the site's branded 404 page, which is a missed chance to hand agents a direct index of card, rate, and disclosure pages.
- Carry the membership-eligibility and identity-verification language that already lives on the credit-cards.html FAQ and the Important Terms PDF forward onto the application application page itself, so the requirements are visible at the exact point an agent or customer needs them.
Access
Every page the agent requested was delivered on the first attempt. Publishing an llms.txt file would give agent traffic a documented entry point.
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