Credit union · NCUA insured
Education First Credit Union Credit Card Rates
Top CarrotEducation First Credit Union credit cards start at 10.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Education First Credit Union’s credit card rates compare
Compared with banks and credit unions near Ogden, UT, where Education First Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Education First Credit Union
10.75%APR
- Annual fee
- None
- Up to
- 16.25% APR
VISA Gold Card with Rewards
Lowest rate
Ascent Credit Union
8.71%APR
- Annual fee
- $50
- Up to
- —
2nd-lowest rate
Deseret First Credit Union
8.90%APR
- Annual fee
- None
- Up to
- —
Education First Credit Union credit card score
80
Credit card score
Higher than 52% of U.S. banks and credit unions
- Purchase APRPurchase APR10.75%
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.
High School Affinity Card with Rewards
Available as a Ben Lomond or Ogden High School card. Education First Credit Union makes a donation to the school for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.75%–16.25% | None | Variable rate. Rate is based on credit score at the time the loan is requested. |
VISA Gold Card with Rewards
Share Secured credit card option available to help establish or rebuild credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.75%–16.25% | None | Variable rate. Rate is based on credit score at the time the loan is requested. |
Who can join Education First 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This may be incomplete or out of date, so check with the credit union before you apply.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 in Weber County is eligible for membership.
Military, government and schools
- Current and retired employees of the Ogden School District are eligible for membership.
- Current students and alumni of the Ogden School District are eligible for membership.
Family and household
- Families of Ogden School District current and retired employees, current students, and alumni are eligible for membership.
Membership information collected October 4, 2026.