Credit union · NCUA insured
Education Credit Union Credit Card Rates
Education Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Education Credit Union’s credit card rates compare
Compared with banks and credit unions near Amarillo, TX, where Education Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Education Credit Union
10.99%APR
- Up to
- 17.75% APR
VISA Platinum Cash Rewards
Lowest rate
The People's Federal Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Intercorp Credit Union
9.90%APR
- Up to
- —
Education Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Education 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.
VISA Platinum Cash Rewards
Subject to credit approval. Rates may vary based on creditworthiness. Membership eligibility required. Variable rate on purchases and cash advances. 25-day grace period on all Visa accounts. Minimum monthly payment equal to 3% of balance or $18, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99%–17.75% | None | Standard Rate Purchases. Stated Annual Percentage Rates are with approved credit, effective as of October 1st, 2026, which are subject to change without notice. 25-day grace period on all Visa accounts. Variable rate on purchases and cash advances. No annual fee. Minimum monthly payment equal to 3% of balance or $18, whichever is greater. |
Who can join Education Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living, working, attending church, or attending school within 10 miles of any ECU location is eligible for membership.
Employers and groups
- Certified daycare workers in Potter and Randall counties are eligible for membership.
- Members of Canyon ISD Council PTA, Amarillo ISD Council PTA, WTAMU Alumni Association, or Bushland ISD Council PTA are eligible for membership.
Military, government and schools
- Homeschoolers in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
- Employees of any public, private, or parochial school, college, or university in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
- Students of any public, private, or parochial school, college, or university in Potter, Randall, Armstrong, Carson, Donley, and Oldham counties, Texas, are eligible for membership.
5 more ways to join
Military, government and schools
- Individuals holding a valid Texas teaching certificate are eligible for membership.
- Employees of District 4 of the Texas Department of Transportation across 18 Texas Panhandle counties are eligible for membership.
Family and household
- Spouses of eligible persons who died while in the field of membership are eligible for membership.
- Blood or legal relatives of anyone eligible for membership are eligible to join.
Other ways
- Retirees receiving retirement or pension due to employment by an organization in the field of membership are eligible for membership.
Cost to join
- A one-time membership fee of $1 is required.
- A savings account opening deposit of $5 is required.
Membership information collected October 5, 2026.