Fraud Alert: Please be aware that fraudulent text messages requesting personal information have been reported and received by both members and non-members in our service areas. Educators Credit Union will never ask for your personal information through an email, text message or an outgoing call to you. DO NOT click on any text message links or provide any personal or financial information.

Visa® Credit Cards

Credit cards designed to fit your needs.

woman on phone with credit card

Two Cards Equipped with Perks

Visa® Signature Cash Back Card

visa signature
  • 1.5% cash back on all purchases1
    The money you get back is deposited monthly into a special savings share connected to your account for the cash back you earn.
  • Skip-a-payment Option4
    You can skip a payment each January to help save money.
  • Cell Phone Protection4
    Use your Signature Card to pay your mobile bill and get $250 in theft and damage protection with a $50 deductible.
  • Insure Your Trip4
    Get up to $2,000 in trip cancellation/interruption coverage when you pay for your trip with your Signature Card.
  • Minimum credit limit of $5,000

Visa® Platinum Card

visa platinum
  • Flexible Credit Limits
    Credit limits start at $500.
  • Earn Points for Perks
    Earn one point for every dollar spent. The points can be redeemed for cash, rate discounts, travel and more.
  • Fixed Interest Rate
    The Platinum Card’s interest rate is set when you open your account.

Benefits

  • No Fees

    No annual fees

    No annual fees and no fees on balance transfers.

  • Calculator 2

    No interest grace period

    25-day no interest grace period (pay your entire balance each month and your purchases are interest free).

  • Credit Report

    Spending controls

    Use Educators’ Ctrl™ app to turn card on or off, get spending notifications and set spending restrictions.

  • Mobile Phone

    Online bill pay

    Pay your bill online with Online Banking, Mobile Banking, Amazon Alexa, Google Assistant or over the phone with ASK EVA™.

  • Debit/Credit Card 2

    Instant-issued cards

    Instant-issued cards so you can replace lost or damaged cards the same day at a branch.

  • Debit/Credit Card

    Design My Card

    Customize your credit and debit cards with a picture as unique as you are. Display any one of your favorite pictures every time you swipe your card with Design My Card.

Low Credit Card Rates

Visa® Credit Cards

APR1

MINIMUM PAYMENT

CARD TYPE

¹APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.

²Visa® Signature Card rate is variable based on the prime rate (6.25% as of 10/1/22) + 7, 8, 10 or 14%.  Rates are subject to change and are subject to credit approval.

 *Rate depending on credit worthiness. Rates start at 7.9% then move to 8.9%, 11.9% and 17.9%

APR1

7.90%*

MINIMUM PAYMENT

$20.00

CARD TYPE

Visa® Platinum Card

APR1

Starting at 13.25%

MINIMUM PAYMENT

$25.00

CARD TYPE

Visa® Signature Card2 - 1.5% Cash Back

Upgraded Designs

Presenting our all-new credit cards designs! Now you can tap to pay with your Educators Visa® credit card securely and conveniently. When you tap to pay, each transaction will produce a specific, one-time code which is extremely efficient in minimizing fraud.

Visa® Signature Designs

visa signature cards

 Apply today by filling out the online application or by using Educators Video Banking.

Visa® Platinum Designs

Apply today by filling out the online application or by using Educators Video Banking.

Calculate Your Savings

More Detailed Information

If you are using your new Educators credit card for consolidation purposes, we will need the following:

Information required if paying off a credit card:

Your most recent statement with the following information:

  • Creditor name
  • Account number
  • Balance/payoff amount
  • Address of where to mail the payoff check

To verify your income, please provide us with one month worth of your most recent pay stubs from your current employer. This can be:

  • Two pay stubs if you are paid bi-weekly.
  • Four official pay stubs if you are paid weekly.
  • One pay stub if you are paid monthly.

If you are self-employed, please provide us with your two most recent annual tax documents.

If you have rental income, please provide us with your two most recent annual tax documents.

Additional documents may be required.

To Apply by Educators Video Banking

  • Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
  • A digital photo of your current, unexpired state-issued driver’s license, state-issued ID or passport with your current address.
  • Proof of address is needed if it’s different than the address listed on your ID. Proof of address can be on a statement from another financial, utility bill, government document, etc.
  • A $5 minimum deposit to open your Prime Share Savings, and/or a $20 minimum deposit to open your checking account.

If one of these situations apply to you, please visit any Educators Credit Union branch to apply for membership:

  • You are under the age of 18.
  • You are opening a fiduciary account. (Fiduciary accounts include trust accounts, custodial accounts, guardianship accounts, representative payee accounts, funeral trust accounts, estate accounts and Coverdell Educational Savings (ESA) Accounts.)
  • You want to open a business account.

Join through Educators Video Banking

To apply online

  • Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
  • A digital photo of your current, unexpired state-issued driver’s license, state-issued ID or passport with your current address.
  • Proof of address is needed if it’s different than the address listed on your ID. Proof of address can be on a statement from another financial, utility bill, government document, etc.
  • A $5 minimum deposit to open your Prime Share Savings, and/or a $20 minimum deposit to open your checking account.

If one of these situations apply to you, please visit any Educators Credit Union branch to apply for membership:

  • You are under the age of 18.
  • You are opening a fiduciary account. (Fiduciary accounts include trust accounts, custodial accounts, guardianship accounts, representative payee accounts, funeral trust accounts, estate accounts and Coverdell Educational Savings (ESA) Accounts.)
  • You want to open a business account.

Join using our digital application

  • When verification/proof of address is requested, please provide one of the following to your loan officer: recent paystub, recent tax documents, recent utility bill, valid driver’s license, or mortgage documents.
  • When verification/proof of social security number is requested, please provide one of the following to your loan officer: valid social security card, recent tax documents, recent W2, or recent paystub

To help prevent fraud on your account, report a lost or stolen credit card as soon as possible.

Educators Visa® Signature: $5,000 minimum limit. Receive all the other shared Visa® benefits as well as Cellular Phone ProtectionTrip Cancellation/Interruption BenefitSignature Program Benefits, Travel and Emergency Assistance Services and Roadside Dispatch.

Educators Visa® Platinum: $500 minimum limit. Receive all the other shared Visa® benefits, Travel and Emergency Assistance Services and Roadside Dispatch.

Get the credit card that meets your needs

Not a member? Open an account.
Join Educators
Apply for an Educators Visa® credit card using our online application.
Apply Today
Apply for an Educators Visa® credit card using Educators Video Banking.
Start a Video Banking call
Text a lending specialist.

Disclosures

1Starting January 2022, you will receive monthly payouts instead of quarterly payments for the cash back you earn.

2APR = Annual Percentage Rate. Rates and terms are subject to change and not guaranteed.

3Visa® Signature Card rate is variable based on the prime rate (4.75% as of 7/1/22) + 7, 8, 10 or 14%.  Rates are subject to change and are subject to credit approval.

4More information is listed below under ADDITIONAL DETAILS BY CARD above.

 *Rate depending on credit worthiness. Rates start at 7.9% then move to 8.9%, 11.9% and 17.9%.