Educational Employees Credit Union
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Rates

Rates

 

To learn about our special Visa Platinum Card promotion, click here.

 

VISA Account Disclosure

Interest Rates and Interest Charges
  Platinum Rewards Gold/Golden Owl* Classic Starter/Student
Annual Percentage Rate (APR) for Purchases 10.99% to 12.99% based on your credit worthiness 12.99% to 15.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness
APR for Balance Transfers 10.99% to 12.99% based on your credit worthiness 12.99% to 15.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness
APR for Cash Advances 10.99% to 12.99% based on your credit worthiness 12.99% to 15.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness 13.99% to 17.99% based on your credit worthiness
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board website at http://www.federalreserve.gov/creditcard.

 

Fees
Annual Fee None

Transactions Fees
   ~Balance Transfer
   ~Cash Advance
   ~Foreign


Either $5.00 or 2% of the amount of each transfer, whichever is greater.
Either $5.00 or 2% of the amount of each cash advance, whichever is greater.
Up to 1% of transaction amount in US dollars.

Penalty Fees
  ~Late Payment
  ~Returned Check/
    Payment
  ~Over Credit Limit


Up to $15.00
Up to $24.00

None

How We Will Calculate Your Balance: The balance on which finance charges are computed using the "average daily balance" (including new purchases) method.
*For Golden Owl: must be at least 62 years of age to qualify

 

NCUA Equal Housing Lender
EECU Call Center
1-800-538-EECU (3328)