Purchase APR
13.90%
Annual fee
None
Foreign fee
1%
No score≤619
Carrying $3k for a year ≈ $417
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54
Purchase APR
9.90–17.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days
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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