Credit union · NCUA insured
FedEx Employees Credit Association Credit Card Rates
FedEx Employees Credit Association credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How FedEx Employees Credit Association’s credit card rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where FedEx Employees Credit Association has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
FedEx Employees Credit Association
9.90%APR
- Up to
- —
Visa Classic
Lowest rate
LGWFCU
7.90%APR
- Up to
- 16.90% APR
2nd-lowest rate
Memphis City Employees Credit Union
7.90%APR
- Up to
- 16.90% APR
FedEx Employees Credit Association 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 FedEx Employees Credit Association 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.
First-Time Visa
Annual Fee: $0. Fixed APR. Credit limit up to $2,000. No security deposit or credit score required. Designed for students and establishing credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed APR As low as 12.90%. Final rate based on creditworthiness. |
Sources (3)
All captured Oct 5, 2026
Premier Visa
Annual Fee: $0. Variable APR based on Prime + 4.00%. Credit limit up to $100,000. Earns Cash back (1% back on every purchase). Best for average to excellent credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.90% | None | Special balance transfer rate for the first 12 months. No balance transfer fees. |
No ongoing APR is published for this card, only the rate above.
Sources (4)
- fecca.com/account-services/rates
- fecca.com/credit-cards
- fecca.com/credit-cards/premier-visa
- fecca.com/credit-cards/value-rewards
All captured Oct 5, 2026
Restoration Visa Classic
Annual Fee: $0. Fixed APR. Credit limit up to $2,500. Rewards: Value Rewards. Best for building or rebuilding credit history after bankruptcy.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed APR As low as 12.90%. Final rate based on creditworthiness. |
| Intro, 12 months | 2.90% | None | Balance transfer promotional fixed rate for 12 months. No balance transfer fees. |
Sources (3)
All captured Oct 5, 2026
Secured Visa Classic
Annual Fee: $0. Fixed APR. Credit limit up to security deposit held in a secured savings account. Rewards: Value Rewards. Deposit acts as collateral.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.50% | None | Fixed APR as low as 6.50%. |
| Intro, 12 months | 2.90% | None | Balance transfer promotional fixed rate for 12 months. No balance transfer fees. |
Sources (3)
All captured Oct 5, 2026
Visa Classic
Annual Fee: $0. Fixed APR. Credit limit up to $20,000. Rewards: Value Rewards. Best for average to excellent credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed APR As low as 9.90%. Final rate based on creditworthiness. |
| Intro, 12 months | 2.90% | None | Special balance transfer rate for the first 12 months. No balance transfer fees. |
Sources (3)
All captured Oct 5, 2026
Who can join FedEx Employees Credit Association
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to FedEx employees.
- Membership is open to FedEx Office employees.
- Membership is open to FedEx retirees.
Family and household
- Membership is open to immediate family members (spouse, children, parents, siblings, grandparents, grandchildren) of FedEx employees.
- Membership is open to household members and roommates of FedEx employees.
Cost to join
- A $25.00 deposit is required to open a savings account.
Membership information collected October 5, 2026.