Credit union · NCUA insured
Educational Employees Credit Union Credit Card Rates
Educational Employees Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Educational Employees Credit Union’s credit card rates compare
Compared with banks and credit unions near Fresno, CA, where Educational Employees Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Educational Employees Credit Union
10.99%APR
- Up to
- 12.99% APR
Visa Platinum Rewards
Lowest rate
Central Valley Firefighters Credit Union
9.99%APR
- Up to
- —
2nd-lowest rate
Pacific Service Credit Union
10.75%APR
- Up to
- 15.75% APR
Educational Employees 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 Educational Employees 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 Classic
Credit limit up to $15,000. Subject to credit approval and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99%–17.99% | None | Rate based on creditworthiness. Rate as low as 13.99% APR. |
| Ongoing | 13.99%–17.99% | None | Rate based on creditworthiness. Balance transfer fee: either $5.00 or 2% of the amount of each transfer, whichever is greater. |
Sources (2)
All captured Oct 16, 2026
Visa Golden Owl
Available to Golden Owl Club members aged 62 or older. Credit limit up to $15,000. Subject to credit approval and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–15.99% | None | Rate based on creditworthiness. Rate as low as 12.99% APR. Requires Golden Owl Club membership (age 62+). |
| Ongoing | 12.99%–15.99% | None | Rate based on creditworthiness. Requires Golden Owl Club membership (age 62+). Balance transfer fee: either $5.00 or 2% of the amount of each transfer, whichever is greater. |
Sources (2)
All captured Oct 16, 2026
Visa Platinum Rewards
Credit limit up to $35,000. Subject to credit approval and creditworthiness. Rewards card with myEECU Rewards points.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99%–12.99% | None | Rate based on creditworthiness. Rate as low as 10.99% APR. |
| Ongoing | 10.99%–12.99% | None | Rate based on creditworthiness. Balance transfer fee: either $5.00 or 2% of the amount of each transfer, whichever is greater. |
Sources (2)
All captured Oct 16, 2026
Visa Starter/Student
Credit limit up to $2,500. Designed for students or members building/re-establishing credit history. Subject to credit approval and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99%–17.99% | None | Rate based on creditworthiness. Rate as low as 13.99% APR. |
| Ongoing | 13.99%–17.99% | None | Rate based on creditworthiness. Balance transfer fee: either $5.00 or 2% of the amount of each transfer, whichever is greater. |
Sources (2)
All captured Oct 16, 2026
Who can join Educational Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employee of Camarena Health.
- Employee of The Fresno Center.
- Member of the former So-Val Tel Federal Credit Union membership base.
- Employee of St. Agnes Medical Center who works in Fresno, CA, including those paid by Trinity Health.
- Employee of the California Teaching Fellows Foundation.
- Employee of United Health Centers of the San Joaquin Valley.
7 more ways to join
Employers and groups
- Employee, contract physician or other medical professional service provider of Valley Children\u2019s Healthcare.
Military, government and schools
- Employee of the City of Fresno.
- Employee of Orcutt Union School District in Santa Barbara.
- Member of a Board of Education or Board of Trustees of a licensed/accredited school system in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Certificated or Classified employee, or student, of a school/school district in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
- Retiree of a school/school district who now lives in any of the 12 counties EECU serves (Fresno, Inyo, Kern, Kings, Madera, Mariposa, Merced, Monterey, San Benito, San Luis Obispo, Stanislaus, and Tulare).
Family and household
- Relative (parents, spouses, children, grandchildren, great grandchildren, grandparents, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household member (living in the same residence and maintaining a single economic unit) of an existing EECU member or a person eligible for EECU membership.
Cost to join
- An additional $5 opening deposit is required for Checking.
- An opening deposit of $5 is required for Savings ($10 for joint account).
Membership information collected October 5, 2026.