Credit union · NCUA insured
ECU Credit Union Credit Card Rates
ECU Credit Union credit card rates start at 12.92% APR. Rates checked October 15, 2026.
How ECU Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where ECU Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
ECU Credit Union
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
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.
VISA® Platinum Rewards Credit Card
Qualification is based on an assessment of individual creditworthiness and underwriting standards. Rates, terms and conditions are subject to change at any time without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | New Credit Card holders enjoy a 2.99% APR introductory rate for the first six months from the Credit Card open date. Fixed introductory rate. No annual fee. No fee for balance transfers. No cash advance fee. |
| Ongoing | 12.92% | None | Variable rate applicable after the six-month introductory period. 25-day grace period on purchases to avoid interest charges when balance is paid in full. |
Sources (3)
- ecucreditunion.com/index.php/lending/credit-cards
- ecucreditunion.com/index.php/rate-2
- ecucreditunion.com/index.php/about/rates-fees/loan-rates
All captured Oct 7, 2026
Who can join ECU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in the Florida counties of Hillsborough, Orange, Osceola, Pasco, Pinellas, or Seminole.
Employers and groups
- Membership is open to employees located at the Bardmoor Palms Facility.
- Membership is open to employees of companies located in the same complex as an ECU Credit Union branch office.
- Membership is open to employees of CVS Health.
- Membership is open to employees of Eckerd Kids.
- Membership is open to employees of Rite Aid.
4 more ways to join
Employers and groups
- Membership is open to subcontractors working primarily in a facility of the sponsor.
- Membership is open to employees of Walgreens.
Family and household
- Membership is open to family members of an existing member.
Other ways
- Membership is open to former ECU Credit Union members.
Cost to join
- A savings (share) account with a minimum balance of $25.00 is required to establish and maintain membership.
Membership information collected October 5, 2026.