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 13.50% to 17.50%
APR for Balance TransfersClassic & Share Secured 12.50%Platinum with CU Rewards 11.50%Platinum*(1) Choice 13.50% to 17.50%
APR for Cash AdvancesClassic &Share Secured 12.50%Platinum with CU Rewards 11.50%Platinum*(1) Choice 13.50% to 17.50%

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)."

*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, $5 minimum
International Service Fee
None
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$25.00
Account Research$15.00 per hour

Financial Education

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  • Todd Linke IMG_4888 no wording cropped
    After financing a newly purchased truck with ECS, Todd wrote: Thank you for your efficient and friendly service! I always appreciate the "small bank" customer service, but the "big bank" options!
    Todd Linke, Mount Miguel HS Science Department