Credit union · NCUA insured
Educational Community Credit Union Credit Card Rates
Educational Community Credit Union credit cards start at 9.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Educational Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Springfield, MO, where Educational Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Educational Community Credit Union
9.40%APR
Visa Credit Card
2nd-lowest rate
Multipli Credit Union
9.65%APR
3rd-lowest rate
BluCurrent Credit Union
9.90%APR
Educational Community Credit Union credit card score
88
Credit card score
Higher than 80% of U.S. banks and credit unions
- Purchase APRPurchase APR9.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educational Community 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 Credit Card
Rates are advertised as 'As low as'. Specific terms depend on the applicant and card variant.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.40% | None | Classic or Platinum variant is explicitly named; the rate applies as advertised. |
Who can join Educational Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Educational alumni residing within the specified 23 Missouri counties are eligible for membership.
- Employees of any educational institution or public library located within Barry, Barton, Cedar, Christian, Dade, Dallas, Douglas, Greene, Howell, Jasper, Laclede, Lawrence, McDonald, Newton, Oregon, Ozark, Polk, Shannon, Stone, Taney, Texas, Vernon, Webster, or Wright County are eligible for membership.
- Educationally-sponsored or affiliated organizations of public or private schools (elementary, secondary, or higher education) located within the specified 23 Missouri counties are eligible for membership.
- Retired faculty members of public or private schools (elementary, secondary, or higher education) residing within the specified 23 Missouri counties are eligible for membership.
- Students or alumni of any educational institution located within the specified 23 Missouri counties are eligible for membership.
Family and household
- Family members of anyone eligible to join ECCU are eligible for membership, regardless of whether the eligible person is an existing member.
Cost to join
- Membership requires establishing and maintaining a minimum $25 deposit/balance in a share (savings) account.
Membership information collected October 4, 2026.