Purchase APR
9.49–18%
Annual fee
None
Foreign fee
1%
No score≤619Travel-related
Carrying $3k for a year ≈ $389.70
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60
OECU Visa Classic Credit Card
Oklahoma Educators Credit Union
NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
9.90%
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 · 2 filed docsDetected in the CFPB-filed cardholder agreements from Oklahoma 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 offered9.90%
Median9.90%
Highest offered9.90%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered9.90%
Median9.90%
Highest offered9.90%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feegreater of 2% or $2
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$25
Over-limit feeNone
Minimum finance charge$2
Balance computationAverage daily balance including new purchases
Rewards, benefits and features
Rewards
None reported
Services
None reported
Features
- Chip card
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementProfessional Affiliation
Affiliation: Educator, student, SEG and direct family
Phone800-324-8259
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 9.90%$297
Annual / periodic fees$0
Total yearly cost$297
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 Oklahoma Educators Credit Union in the 2026 Q1 archive.
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Purchase APR
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Annual fee
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Foreign fee
1%
720+Cashback
Carrying $3k for a year ≈ $297
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Annual fee
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Foreign fee
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Carrying $3k for a year ≈ $297
Purchase APR
9.90%
Annual fee
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Foreign fee
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Carrying $3k for a year ≈ $297