Credit union · NCUA insured
Educators Credit Union Credit Card Rates
Educators Credit Union credit cards start at 9.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Educators Credit Union’s credit card rates compare
Compared with banks and credit unions near Waco, TX, where Educators Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Educators Credit Union
9.75%APR
- Up to
- —
Platinum MasterCard®
Lowest rate
GENCO Federal Credit Union
7.90%APR
- Up to
- —
3rd-lowest rate
Linkage Credit Union
9.99%APR
- Up to
- 14.99% APR
Educators Credit Union credit card score
87
Credit card score
Higher than 77% of U.S. banks and credit unions
- Purchase APRPurchase APR9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Educators 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.
Platinum MasterCard®
Subject to normal credit approval. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Rate is as low as. Rate is based on credit rating and is subject to normal credit approval. |
Who can join Educators Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in McLennan, Bell, Bosque, Hill, Falls, Coryell, Hamilton, Lampasas, or Limestone County.
Family and household
- Membership is open to individuals who have an immediate family member currently a member of Educators Credit Union.
Membership information collected October 5, 2026.