Credit union · NCUA insured
Ellafi Federal Credit Union Credit Card Rates
Ellafi Federal Credit Union credit cards start at 11.95% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Ellafi Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Hartford, CT, where Ellafi Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Ellafi Federal Credit Union
11.95%APR
- Up to
- 17.95% APR
Visa® Platinum
Lowest rate
Achieve Financial Credit Union
9.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
COMTRUST Federal Credit Union
9.90%APR
- Up to
- 13.90% APR
Ellafi Federal Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ellafi 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.
Visa® Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Introductory rate valid for new cards on purchases, balance transfers and cash advances for the first 6 months (6 billing cycles). No balance transfer fee. |
| Ongoing | 11.95%–17.95% | None | Based on creditworthiness/credit history. Applies to purchases, balance transfers, and cash advances. No balance transfer fee. |
Sources (3)
- ellafifcu.org/loans-and-credit/credit-cards
- ellafifcu.org/loans-and-credit…edit-cards/visa-platinum
- ellafifcu.org/rates-and-fees/loan-rates
All captured Oct 4, 2026
Visa® Platinum Rewards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Introductory rate valid for new cards on purchases, balance transfers and cash advances for the first 6 months (6 billing cycles). No balance transfer fee. |
| Ongoing | 13.95%–17.95% | None | Based on creditworthiness/credit history. Applies to purchases, balance transfers, and cash advances. No balance transfer fee. |
Sources (3)
- ellafifcu.org/loans-and-credit/credit-cards
- ellafifcu.org/loans-and-credit…ds/visa-platinum-rewards
- ellafifcu.org/rates-and-fees/loan-rates
All captured Oct 4, 2026
Visa® Signature
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Introductory rate on purchases, balance transfers and cash advances for a period of 6 billing cycles (6 months). No balance transfer fee. |
| Ongoing | 12.95%–17.95% | None | Based on creditworthiness/credit history. Applies to purchases, balance transfers, and cash advances. No balance transfer fee. |
Sources (3)
- ellafifcu.org/loans-and-credit/credit-cards
- ellafifcu.org/loans-and-credit…dit-cards/visa-signature
- ellafifcu.org/rates-and-fees/loan-rates
All captured Oct 4, 2026
Who can join Ellafi Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, attend school, or volunteer in Branford, Cheshire, Chester, Clinton, Cromwell, Deep River, Durham, East Haddam, East Hampton, East Haven, Essex, Guilford, Haddam, Higganum, Killingworth, Madison, Meriden, Middlefield, Middletown, North Branford, North Haven, Old Saybrook, Portland, Wallingford, or Westbrook.
Family and household
- Eligibility is open to individuals who are related to a current Ellafi member.
Cost to join
- A minimum deposit of at least $5 is required to get started.
Membership information collected October 4, 2026.