Credit union · NCUA insured
Educational Systems Federal Credit Union Credit Card Rates
Top CarrotEducational Systems Federal Credit Union credit cards start at 7.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Educational Systems Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Educational Systems Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Educational Systems Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
Visa Premier Rewards
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Annual fee
- None
- Up to
- 18.00% APR
Educational Systems Federal Credit Union credit card score
92
Credit card score
Higher than 94% of U.S. banks and credit unions
- Purchase APRPurchase APR7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educational Systems 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.
Visa Credit Card
Credit limits up to $40,000. Applications subject to credit approval; verification of income required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | APR as low as 13.00%. Actual rate based on credit. Variable monthly rate tied to the prime rate. No annual fee. No balance transfer fee, cash advance fee, or foreign transaction fee. |
Sources (2)
All captured Oct 22, 2026
Visa Premier Rewards
Credit limits up to $40,000. Applications subject to credit approval; verification of income required. Earn Premier Rewards points with every purchase. Annual fee can be paid using Premier Rewards points.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.00% | $50 | APR as low as 7.00%. Actual rate based on credit. Variable monthly rate tied to the prime rate. No balance transfer fee, cash advance fee, or foreign transaction fee. Annual fee $50 (can be paid with points). |
Sources (2)
All captured Oct 22, 2026
Who can join Educational Systems 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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in St. Mary's County, Maryland are eligible for membership.
Employers and groups
- Individuals affiliated with the Howard County Library System are eligible to join by becoming a member of the Support Education Foundation.
- Employees of Howard University Hospital are eligible for membership.
Military, government and schools
- Employees (including contractors), students, parents, and alumni of specified colleges and universities are eligible for membership.
- Employees (including those paid by a contractor), students, and parents of specified Maryland county public school systems are eligible for membership.
Family and household
- Immediate family members of individuals eligible for Educational Systems Federal Credit Union membership are eligible to join.
2 more ways to join
Family and household
- Immediate family members of existing Educational Systems Federal Credit Union members are eligible to join.
Other ways
- Individuals can join by becoming a member of the Support Education Foundation if they are a volunteer, employee, student, alumni, or retiree of any public or private school/system, college/university, or education-related organization.
Membership information collected October 4, 2026.