Credit union · NCUA insured
E-Central Credit Union Credit Card Rates
E-Central Credit Union credit cards start at 13.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How E-Central Credit Union’s credit card rates compare
Compared with banks and credit unions near Los Angeles, CA, where E-Central Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
E-Central Credit Union
13.49%APR
- Up to
- —
Platinum Visa
Lowest rate
F&A Credit Union
6.90%APR
- Up to
- 14.50% APR
2nd-lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
E-Central Credit Union credit card score
66
Credit card score
Higher than 15% of U.S. banks and credit unions
- Purchase APRPurchase APR13.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where E-Central Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Visa
Rates on approved credit. Credit limit based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49% | None | Rates as low as 13.49% APR. On approved credit. |
Sources (1)
- ecentralcu.org/loans/credit-cards · captured Oct 7, 2026
Who can join E-Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any business, corporation, or other legal entity located in the eligible cities can join E-Central as a business-member.
- Individuals who live, work, attend school, or worship in San Gabriel Valley, Commerce, CA, or neighboring cities of Commerce are eligible for membership.
Employers and groups
- Employees of Select Employee Groups are eligible to join.
Family and household
- Family members or household partners of a current E-Central member in good standing are eligible to join.
Other ways
- Individuals who belong to another credit union are eligible to join.
Membership information collected October 5, 2026.