CardSleuth
← Back to explorer
58

VISA Classic

Illinois Educators Credit Union

NationalFixed rateCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
14.90%
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

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.

Similar cards