Purchase APR
11.90–17.90%
Annual fee
None
Foreign fee
None
0% transfers · 12 mo
No score≤619
Carrying $3k for a year ≈ $447
← Back to explorer
58
Purchase APR
14.90%
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 docDetected in the CFPB-filed cardholder agreements from Illinois Educators 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
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered14.90%
Median14.90%
Highest offered14.90%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered14.90%
Median14.90%
Highest offered14.90%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$28
Repeat late fee (6 mo)$28
Over-limit fee$28
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$28
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Access to Free Credit Scores
Features
- Chip card
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation
Affiliation: Our field of membership includes teachers, administrators and support staff of schools within our community as well as alumni of those schools.
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 25-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by Illinois Educators Credit Union in the 2026 Q1 archive.
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