Credit union · NCUA insured
Educational Federal Credit Union Credit Card Rates
Educational Federal Credit Union credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Educational Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where Educational Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Educational Federal Credit Union
13.50%APR
- Up to
- 18.25% APR
EdFed Rewards Visa Credit Card
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
- Up to
- —
2nd-lowest rate
First Choice Credit Union
8.75%APR
- Up to
- —
Educational Federal Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educational Federal 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.
EdFed Rewards Visa Credit Card
Membership eligibility applies. No annual fee. Subject to credit approval based on creditworthiness, ability to repay, and credit score. Variable APR based on Prime Rate. Cash advance and purchase interest rates are the same. Quoted rates assume electronic payments (otherwise rate increases by 0.10% except for VISA and share secured).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.25%–18.00% | None | Standard purchases, cash advances, and balance transfers. Variable APR based on Prime Rate; rate varies from 13.25% to 18.00% based on creditworthiness. Minimum monthly payment is 2.50% of balance or $25, whichever is greater. No annual fee. No cash advance fees on advances made in person or via EdFed 24/SEVEN. |
Who can join Educational Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of designated affiliated associations and organizations.
Military, government and schools
- Employees or retirees (pensioners/annuitants) of designated educational institutions and organizations in Florida.
- Students of designated educational institutions in Florida.
Family and household
- Immediate family members of individuals within the credit union's field of membership.
- Household members living in the same residence and maintaining a single economic unit with an eligible individual.
Other ways
- Revocable and Irrevocable Trusts where all grantors or all beneficiaries qualify for membership.
Membership information collected October 5, 2026.