Credit union · Privately insured
El Monte Community Credit Union Credit Card Rates
El Monte Community Credit Union credit card rates start at 8.90% APR. Rates checked October 16, 2026.
How El Monte Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where El Monte Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
El Monte Community Credit Union
– –
No ongoing APR published
Lowest rate
Service 1st Credit Union
6.00%APR
2nd-lowest rate
Unity One Credit Union
8.90%APR
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 Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Introductory APR for purchases, balance transfers and cash advances for six (6) months |
| Ongoing | 8.90%–17.90% | None | Post-introductory APR based on creditworthiness for purchases, balance transfers and cash advances |
Sources (1)
- elmonteccu.org/loans/visa-credit-cards · captured Oct 16, 2026
Visa Share Secured
Secured credit card to build or repair credit
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Introductory rate for six (6) months for purchases, balance transfers and cash advances |
| Ongoing | 10.90% | None | Post-introductory APR for purchases, balance transfers and cash advances |
Sources (1)
- elmonteccu.org/loans/visa-credit-cards · captured Oct 16, 2026
Who can join El Monte Community 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This may be incomplete or out of date, so check with the credit union before you apply.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, work, or worship in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
- Individuals who attend school in El Monte, South El Monte, Baldwin Park, Rosemead, or Irwindale are eligible for membership.
Employers and groups
- Employees of the San Gabriel Valley Water Company who work in El Monte, Fontana, or Whittier are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Other ways
- Other credit unions organized under Federal or State laws are eligible for membership.
- Organizations composed of eligible individuals are eligible for membership.
Cost to join
- Members must maintain a regular share savings account with a minimum balance of $5.00.
- A $5.00 lifetime membership fee is required to join.
- A one-time refundable pledge amount of $5.00 is required upon application review.
Membership information collected October 5, 2026.