Visa Credit Card Rates - East County Schools Federal Credit Union
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Visa Credit Card Rates

DescriptionClassic & Share Secured RatesPlatinum with CU Rewards RatesPlatinum Choice Rates
Annual Percentage Rate(APR) for PurchasesClassic & Share Secured 12.50%Platinum with CU Rewards 11.50%Platinum*(1) Choice 8.25% to 15.25%
APR for Balance TransfersClassic & Share Secured 12.50%Platinum with CU Rewards 11.50%Platinum*(1) Choice 8.25% to 15.25%
APR for Cash AdvancesClassic &Share Secured 12.50%Platinum with CU Rewards 11.50%Platinum*(1) Choice 8.25% to 15.25%

Penalty APR and when it applies - 17.50%
This APR may be applied to your account when payment becomes 61 days past due.

How long will the penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.

How to Avoid Paying Interest on Purchases - Your due date is at least 25 days after the close of the billing cycle.

Minimum Interest Charge - None

How We Will Calculate Your Balance - We use a method called "average daily balance (including new purchase)."

Credit Card tips from the Federal Reserve Board

*The Platinum Choice APR may vary with the market based on the Prime Rate

(1) Rate differential on VISA Platinum Choice based on credit score.

Fees

DescriptionFee
Annual FeeNone
Balance TransferNone
Cash Advance1% of the amount of each cash advance
Foreign TransactionsNone
Late Payment $15.00 after 5 days late
Returned Payment$20.00
Over-the-Credit-LimitNone, you may not exceed your credit limit.
Card Replacement $5.00
Overnight Card/PIN replacement$15.00
Account Research$15.00 per hour

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Members LoveECSFCU!

  • Cathy Sprecco with Koala - Australia 2015

    I had a fantastic trip to Switzerland and Austria this past summer with East County Schools FCU and the SD East County Chamber of Commerce. This was my 6th trip with this fun group! The Educator Tour, guided by the infamous Steve Devan, is the perfect way to truly see and experience any country. The train ride through the Alps was a personal favorite and such an amazing experience. Seeing and hearing cows and goats with real bells grazing on the side of the mountains made me want to sing a favorite "Sound of Music" song and look for Heidi or her grandpa around every turn! I really felt immersed in the culture. The extra servings of warm apple strudel helped too!

     I am a single traveler and all worries are put aside on these well-coordinated trips. Almost everything is taken care of for the travelers so I always feel spoiled! The fellow Educator Tour travelers that I have met from other districts and other walks of life have become my life-long friends! These trips are so dear to me that I have a separate savings travel account where I dedicate a small monthly amount to be ready for the next country!

    Come join us!

    Cathy Sprecco - First Grade Teacher in Lakeside Union School District