Credit union · NCUA insured
EFCU Credit Card Rates
EFCU credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How EFCU’s credit card rates compare
Compared with banks and credit unions near Denver, CO, where EFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
EFCU
11.90%APR
Visa Credit Card
Lowest rate
SPACE AGE
7.00%APR
2nd-lowest rate
Horizons North Credit Union
7.99%APR
EFCU credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EFCU 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
Fixed-rate card. Membership at Electrical Credit Union is required to participate with a minimum share/savings balance of $25.00. Must be 18 years of age and subject to credit approval and income verification.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Fixed-rate APR. |
| Intro, 15 months | 2.99% | None | Promotional APR of 2.99% applies to qualifying balance transfers completed September 1 through October 31, 2026 for 15 months. After promotional period, remaining balance subject to applicable regular Visa APR. Proof of income and account membership required. |
Who can join EFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to individuals affiliated with specific partner companies or unions such as Local #577 Plasters and Cement Masons, AFSCME Colorado, or Eaton Metal Products.
- Eligibility is open to individuals affiliated with specified Colorado labor unions or any labor union affiliated with the Colorado AFL-CIO or the Denver Area Labor Federation.
Family and household
- Eligibility is open to family members of an EFCU member.
Cost to join
- A minimum share deposit of $25.00 is required for membership at the time of account opening.
Membership information collected October 4, 2026.