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59

Empowerment Credit Card

Gecu Federal Credit Union

NationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
11.90–17.90%
Annual fee
None
0% intro
1.90%
0% transfer
6 mo
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
17.90%
≤619
17.90%
620–719
14.65%
720+
12.15%
Lowest offered11.90%
Median14.90%
Highest offered17.90%

Introductory purchase APR

Promotional window: 6 months

No score
—
≤619
—
620–719
1.90%
720+
1.90%
Lowest offered1.90%
Median—
Highest offered1.90%

Balance transfer APR

Promotional window: 6 months

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

Lowest offered0%
Median0%
Highest offered17.90%

Cash advance APR

No score
17.90%
≤619
17.90%
620–719
16.65%
720+
14.15%
Lowest offered13.90%
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$25
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$25
Credit Disability$2
Credit Life$2

Late fee policy: If a payment is 10 days or more past due, a Late Payment Fee up to $25 will be charged. If the minimum payment is less than $25, the Late Payment Fee will be equal to the minimum payment.

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Debt cancellation coverage
Features
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-772-4328
Balance transfer calculator
Stay put — 6 mo at 24%$300
Transfer fee (0%)$0
Promo interest at 0.00%$0
You save$300

Assumes you pay the balance down evenly across the 6-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 14.90% afterwards.

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 25-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Gecu Federal Credit Union in the 2026 Q1 archive.

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