Credit union · NCUA insured
ELCA Federal Credit Union Credit Card Rates
ELCA Federal Credit Union credit cards start at 14.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How ELCA Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where ELCA Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
ELCA Federal Credit Union
14.99%APR
World Mastercard Credit Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
ELCA Federal Credit Union credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR14.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ELCA 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.
Savings Secured Credit Card
Secured against a credit union Savings Account (minimum $25 deposit to open savings membership). Must maintain a savings deposit equivalent of 110% of desired credit limit. Must complete at least 12 on-time payments over no less than 12 months before requesting review to transition to an unsecured card. Deposit earns interest in the savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99% | None | Comes with lowest available credit card interest rate at application (as low as 14.99% APR); subject to credit score and overall creditworthiness. Requires maintaining savings deposit equivalent of 110% of desired credit limit. Minimum $25 deposit to open membership savings. |
Sources (3)
- elcafcu.org/rates
- elcafcu.org/personal/credit-cards
- elcafcu.org/personal/product-services---credit-building
All captured Oct 6, 2026
World Mastercard Credit Card
Rate applies to purchases, balance transfers, and cash advances. Subject to creditworthiness. Foreign transaction fees apply. Variable rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99% | None | Rates start as low as published rate; subject to credit score and overall creditworthiness. Rate applies to purchases, balance transfers, and cash advances. No transaction fees for balance transfers or cash advances. Foreign transaction fees apply. Rate is variable. |
Who can join ELCA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to employees, students, volunteers, clients, and other participants of ELCA-affiliated organizations.
- Membership is open to members and participants of ELCA congregations who worship, volunteer, or otherwise participate in ministry at any ELCA congregation.
- Membership is open to all ELCA congregations.
- Membership is open to ELCA ministries and ELCA-affiliated organizations.
- Membership is open to congregations and organizations of the United Church of Christ.
- Membership is open to members and participants of UCC congregations and organizations who worship, volunteer, donate, or otherwise participate in ministry at any congregation or organization of the United Church of Christ.
2 more ways to join
Employers and groups
- Membership is extended to Workplace Banking partners.
Family and household
- Membership is open to immediate family members of current ELCA FCU members.
Membership information collected October 5, 2026.