Credit union · NCUA insured
Education First Federal Credit Union Credit Card Rates
Education First Federal Credit Union doesn’t publish an ongoing APR for its credit cards, only a 6-month introductory rate. Rates checked October 16, 2026.
How Education First Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Beaumont, TX, where Education First Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Education First Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Eastex Credit Union
6.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
Golden Triangle Federal Credit Union
8.90%APR
- Up to
- —
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.
totalREWARDS VISA
Open to anyone who lives, works, or worships in Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Trinity, and Tyler counties in Texas. Rates depend on individual creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Introductory promotional rate for six months on all purchases and balance transfers. APR shown is the lowest available/introductory rate and depends on creditworthiness. |
No ongoing APR is published for this card, only the rate above.
Sources (3)
- educationfirstfcu.org
- educationfirstfcu.org/personal/credit-card
- educationfirstfcu.org/current-rates-fees/loan-rates
All captured Oct 6, 2026
Who can join Education First Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Angelina, Chambers, Jasper, Jefferson, Hardin, Liberty, Newton, Orange, Polk, Sabine, San Augustine, Shelby, Tyler, or Trinity County, Texas are eligible for membership.
Military, government and schools
- Current or retired employees of East Chambers or High Island Independent School District are eligible for membership.
Family and household
- Family members of an Education First member (including spouse, children, parents, sibling) are eligible for membership.
Membership information collected October 5, 2026.