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Visa Platinum

Educators Credit Union

One State/TerritoryFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
10.90–20.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
26 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
20.90%
620–719
14.90%
720+
10.90%
Lowest offered10.90%
Median14.90%
Highest offered20.90%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered10.90%
Median14.90%
Highest offered20.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Card Replacement Fee$5

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Merchandise and discounts on Educators Products and Services.

Who can get this card

AvailabilityOne State/Territory
StatesWI
Membership requirementsYes
RequirementProfessional Affiliation

Affiliation: Employees of the following: •Public schools; •Private schools; •Government; •Health care; and •Education related. •AC Sparkplug and Delco Electronics Division; •Andis Company; •Appleton Electric; •Badger Meter (and retirees); •Bombardier Recreational Prod

Phone800-236-5898
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 14.90%$447
Annual / periodic fees$0
Total yearly cost$447

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 26-day grace period avoids the interest entirely.

Cardholder agreements

5 documents filed by Educators Credit Union in the 2026 Q1 archive.

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