Credit union · NCUA insured
Education First Credit Union Credit Card Rates
Top CarrotEducation First Credit Union credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Education First Credit Union’s credit card rates compare
Compared with banks and credit unions near Columbus, OH, where Education First Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Education First Credit Union
12.74%APR
- Up to
- —
Visa Platinum Card
Lowest rate
Scott Associates Credit Union Inc
8.99%APR
- Up to
- 15.99% APR
2nd-lowest rate
State Highway Patrol Federal Credit Union
8.99%APR
- Up to
- —
Education First Credit Union credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Education First 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.
Rewards First Visa Platinum Card
Rate is variable and calculated by adding 8.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000. Credit limit up to $30,000. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.74%–24.74% | None | Variable APR based on creditworthiness when you open your account. Varies with the market based on the Prime Rate (Prime + 8.74%). |
| Ongoing | 18.74%–24.99% | None | Variable APR based on creditworthiness when you open your account. Varies with the market based on the Prime Rate. Cash advance fee: 3.00%. |
Sources (3)
- educu.org/loans/visa-credit-card-options
- educu.org/about-efcu/disclosures/credit-card-disclosure
- educu.org/loans/loan-rates
All captured Oct 7, 2026
Visa Platinum Card
Rate is variable and calculated by adding 5.74% to the current Prime Rate. A guarantor may be necessary if you are under 21 and your annual income is less than $10,000. Credit limit up to $30,000. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74%–21.74% | None | Variable APR based on creditworthiness when you open your account. Varies with the market based on the Prime Rate (Prime + 5.74%). |
| Ongoing | 15.74%–24.74% | None | Variable APR based on creditworthiness when you open your account. Varies with the market based on the Prime Rate. Cash advance fee: 3.00%. |
Sources (3)
- educu.org/loans/visa-credit-card-options
- educu.org/about-efcu/disclosures/credit-card-disclosure
- educu.org/loans/loan-rates
All captured Oct 7, 2026
Who can join Education First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.