Credit Cards That Meet Your Needs

Make the most of your money with Educators Visa® credit cards.

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All Educators Visa credit cards offer several shared benefits:

  • No annual fees and no fees on cash advances or balance transfers

  • Interest rates starting as low as 7.90% APR

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

  • Create a secure shopping experience — all cards will be going to EMV chip card technology at renewal

  • Make payments online, via Touch Tone Teller, by mail, in-person, or via direct deposit

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Other Features


Customizing Your Card

Design your Educators debit or credit cards to reflect your unique style and personality with a picture of your family, friends, pets, favorite vacation spot or select an image from our online image library.1 Just use Picture My Card to upload your personal picture.

Members receive one free personalized card design for each type of card you have within the card’s three-year expiration period.2 You can have a different design for each card you have! If you wish to change the picture on your card again during this period, a production fee of $10.00 may apply.


Lost or Stolen Cards

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


Additional Details by Card

Educators Visa® Signature: $5000 minimum limit. Receive all the other shared Visa® benefits as well as Cellular Phone Protection, Trip Cancellation/Interruption Benefit, Signature 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.

 


Pay your loan using an external card

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More 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 online to become a member, you’ll need:

  • Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
  • A digital photo of your current state-issued Driver’s License, state-issued ID or passport with your current address.
  • Proof of address 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, which represents your ownership in the credit union.

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.
  • You want to open a business account.

To apply in person to become a member, you’ll need:

  • Your Social Security Number (SSN) or Individual Tax Identification Number (ITIN).
  • A current U.S. government-issued photo ID (e.g., driver’s license, passport, state or military ID) with your current address.
  • Proof of address 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, which represents your ownership in the credit union.
  • If you are under the age of 18, you will need a state-issued ID, passport, or current school ID and address verification from a parent or guardian.

If you are not an Educators member or if the primary member cannot sign on a loan, you may be required to establish a new account. Educators Credit Union membership is open to anyone who works or lives in our 11-county service area.

Disclosures

1Please note the image requirements and usage guidelines available on the site before uploading your photo. Educators reserves the right to determine if a submitted image is acceptable for use.
2The site will say that there is a $10 fee, however this will be waived once (noted in your card record). No promo code is necessary.