Credit union · NCUA insured
Employees Choice FCU Credit Card Rates
Employees Choice FCU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Employees Choice FCU’s credit card rates compare
Compared with banks and credit unions near San Diego, CA, where Employees Choice FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Employees Choice FCU
9.90%APR
- Up to
- —
Platinum VISA Credit Card
Lowest rate
Certified Federal Credit Union
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Frontwave Credit Union
9.50%APR
- Up to
- —
Employees Choice FCU 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 Employees Choice FCU 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
On approved credit. Some restrictions apply. Not all applicants will qualify.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | On approved credit. Rates as low as 9.90% APR. No annual fee. |
Sources (3)
All captured Oct 6, 2026
Share-Secured Platinum Visa
Credit extended is secured by shares (monies on deposit) in the credit union in an amount equal to 103% of the approved credit limit. On approved credit. Some restrictions apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00% | None | On approved credit. Secured by shares (monies on deposit) in the credit union in an amount equal to 103% of the approved credit limit. No annual fee. |
Sources (2)
All captured Oct 6, 2026
Who can join Employees Choice FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Select Employee Groups (Roger S. Gordon & Co., CPA, Pfuhl & Knight Accountancy Corporation, and The Goods Insurance Agency) are eligible for membership.
Military, government and schools
- County of San Diego employees who work in La Mesa, CA are eligible for membership.
- Employees and retirees of the City of El Cajon, the City of La Mesa, or the Helix Water District are eligible for membership.
- State of California employees who work or have headquarters in La Mesa, CA are eligible for membership.
Family and household
- Immediate family members of an employee or retiree of the City of El Cajon, City of La Mesa, or Helix Water District are eligible for membership.
- Immediate family members of employees of Select Employee Groups (Roger S. Gordon & Co., CPA, Pfuhl & Knight Accountancy Corporation, and The Goods Insurance Agency) are eligible for membership.
Cost to join
- A minimum savings deposit of $25.00 is required to open an account and maintain membership.
Membership information collected October 5, 2026.