Last Updated: 07/28/2025
Educational Community Credit Union Classic Visa
Unaffiliated
Last Updated: 07/28/2025
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rate
Cast Your Vote
Compare All Credit Cards
Filter & compare all your options in one place.
Highlights
Purchase APR (Variable APR)
9.40% - 18.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
9.40% - 18.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
N/A
Educational Community Credit Union Classic Visa Review
This is a rewards card issued by Educational Community Credit Union. If you're wondering whether Educational Community Credit Union Classic Visa is the right card for you, read on.
Key Takeaways
- APRs: Educational Community Credit Union Classic Visa has a variable regular purchase APR that ranges from 9.40% up to 18.90%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1.00% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Educational Community Credit Union Classic Visa
| The Good | The Bad |
|
|
Educational Community Credit Union Classic Visa FAQ
Does Educational Community Credit Union Classic Visa have a cash back or rewards program?
Educational Community Credit Union Classic Visa is a rewards card. This card features rewards for purchases in the following categories:
- Select Merchants
| Description |
Does Educational Community Credit Union Classic Visa have a signup bonus?
This card doesn't offer a cash signup bonus.Does Educational Community Credit Union Classic Visa offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Educational Community Credit Union Classic Visa benefits?
Educational Community Credit Union Classic Visa provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Educational Community Credit Union Classic Visa?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Educational Community Credit Union Classic Visa has a variable purchase APR that ranges from 9.40% up to 18.90%. The card has a variable balance transfer APR that ranges from 9.40% up to 18.90%. It also has a variable cash advance APR that ranges from 9.40% up to 18.90%.
Does Educational Community Credit Union Classic Visa have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Educational Community Credit Union Classic Visa have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Educational Community Credit Union Classic Visa?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1.00% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $50.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
Does Educational Community Credit Union Classic Visa have a foreign transaction fee?
Educational Community Credit Union Classic Visa charges a foreign transaction fee of up to 1.00%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Educational Community Credit Union Classic Visa?
The customer service number for Educational Community Credit Union Classic Visa is (417) 485-3661.
What is the support contact email for Educational Community Credit Union Classic Visa?
The support contact email for Educational Community Credit Union Classic Visa is financialser@educationalccu.org.
What is the login page for Educational Community Credit Union Classic Visa?
You can access the login page of Educational Community Credit Union Classic Visa here.
How do people rate the customer service and user experience of Educational Community Credit Union Classic Visa?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Educational Community Credit Union Classic Visa report your account activity to credit bureaus?
Yes, Educational Community Credit Union Classic Visa reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Educational Community Credit Union perform a hard credit pull?
Yes, Educational Community Credit Union Classic Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Educational Community Credit Union Classic Visa
- Visit the website of Educational Community Credit Union Classic Visa.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
View Educational Community Credit Union Classic Visa's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
Invalid DateTime - Invalid DateTime
Tuesday
Invalid DateTime - Invalid DateTime
Wednesday
Invalid DateTime - Invalid DateTime
Thursday
Invalid DateTime - Invalid DateTime
Friday
Invalid DateTime - Invalid DateTime
Saturday
Closed