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Credit Card

Electel Cooperative Federal Credit Union

NationalFixed rateNo credit score
Issuer site ↗
Purchase APR
9.90–17.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Contract X-Ray — what's buried in the fine print

0 red flags · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Electel Cooperative Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
13.90%
≤619
15.90%
620–719
11.90%
720+
9.90%
Lowest offered9.90%
Median13.90%
Highest offered17.90%

Cash advance APR

No score
13.90%
≤619
15.90%
620–719
11.90%
720+
9.90%
Lowest offered9.90%
Median—
Highest offered17.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Repeat late fee (6 mo)$20
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards

None reported

Services

None reported

Features
  • Contactless Payments
  • Chip card

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone800-849-5600
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 13.90%$417.00
Annual / periodic fees$0
Total yearly cost$417.00

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

3 documents filed by Electel Cooperative Federal Credit Union in the 2026 Q1 archive.

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