Last Updated: 07/28/2025
Educators Credit Union Visa Gold Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 6.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
Starting at 6.25%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
670 - 840
Annual Fee
N/A
Educators Credit Union Visa Gold Card Review
This is a rewards card issued by Educators Credit Union. If you're wondering whether Educators Credit Union Visa Gold Card is the right card for you, read on.
Key Takeaways
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, travel accident insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Educators Credit Union Visa Gold Card
| The Good | The Bad |
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Educators Credit Union Visa Gold Card FAQ
Does Educators Credit Union Visa Gold Card have a cash back or rewards program?
Educators Credit Union Visa Gold Card is a rewards card.
| Description |
Does Educators Credit Union Visa Gold Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Educators Credit Union Visa Gold Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Educators Credit Union Visa Gold Card benefits?
Educators Credit Union Visa Gold Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Educators Credit Union Visa Gold Card?
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.Educators Credit Union Visa Gold Card has a variable purchase APR starting at 6.25%. The card has a variable balance transfer APR starting at 6.25% . It also has a variable cash advance APR starting at 6.25% .
Does Educators Credit Union Visa Gold Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Educators Credit Union Visa Gold Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 6.25% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 6.25% on qualified purchases
What are the fees for Educators Credit Union Visa Gold Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $26.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
N/A.
There is a late fee starting at $25.00. What is the support contact email for Educators Credit Union Visa Gold Card?
The support contact email for Educators Credit Union Visa Gold Card is amortgageofficer@ecu.com.
How do people rate the customer service and user experience of Educators Credit Union Visa Gold Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Educators Credit Union Visa Gold Card report your account activity to credit bureaus?
Yes, Educators Credit Union Visa Gold Card 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 Educators Credit Union perform a hard credit pull?
Yes, Educators Credit Union Visa Gold Card 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 Educators Credit Union Visa Gold Card
- Visit the website of Educators Credit Union Visa Gold Card.
- 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 Educators Credit Union Visa Gold Card'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.
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Hours of Operation
SundayClosedMonday9:00AM - 6:00PMTuesday9:00AM - 6:00PMWednesday9:00AM - 6:00PMThursday9:00AM - 6:00PMFriday9:00AM - 6:00PMSaturday8:00AM - 1:00PM
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Other Credit Cards from Educators Credit Union
Rating not yet determined
Purchase APR
7.90% - 17.90%
Disclaimer popup with additional information
Balance Transfer APR
7.90% - 17.90%
Disclaimer popup with additional information
Credit Score Range
620 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
N/A
Balance Transfer APR
Starting at 13.8%
Disclaimer popup with additional information
Credit Score Range
670 - 840
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
13.25% - 20.25%
Disclaimer popup with additional information
Balance Transfer APR
13.25% - 20.25%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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