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.


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!

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    My Loan Officer, Mireya, is truly an asset to ECSFCU. She is competent, articulate, sweet and compassionate. When there was an error in the payoff of my car, Mireya personally took a credit union check and drove it to the dealer to correct it, the same day. We are thankful for the time and effort she put into this important transaction.  That’s customer service, and she is leading the pack!



    Jack Charles, Grossmont High School District, retired