Credit union · NCUA insured
ElecTel Cooperative Federal Credit Union Credit Card Rates
Top CarrotElecTel Cooperative Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How ElecTel Cooperative Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Raleigh, NC, where ElecTel Cooperative Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
ElecTel Cooperative Federal Credit Union
9.90%APR
- Up to
- —
Platinum Visa® Credit Card
Lowest rate
Summit Credit Union
8.95%APR
- Up to
- 16.95% APR
3rd-lowest rate
RTP Federal Credit Union
10.00%APR
- Up to
- 16.00% APR
ElecTel Cooperative Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ElecTel Cooperative 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.
Platinum Visa® Credit Card
Fixed rate based on creditworthiness/primary risk score. Credit limits up to $20,000. 25-day grace period. No balance transfer, transaction, or cash advance fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed rate as low as 9.90% APR. Not all members may qualify. |
Sources (3)
All captured Oct 7, 2026
Who can join ElecTel Cooperative Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, officers, and directors of specified electric and telephone cooperatives in North Carolina and Virginia are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) of employees, officers, and directors of specified cooperatives are eligible for membership.
- Members of the immediate family or household of consumers/members of specified cooperatives are eligible for membership.
Other ways
- Consumers and members of specified electric and telephone cooperatives are eligible for membership.
Membership information collected October 4, 2026.