Education First Credit Union

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Visa® Credit Card Rates

Updated March 01, 2017

Visa Credit Card Rates
Card Type Variable APR** Term
Visa® Reward Card



This APR will vary with the market based on the Prime Rate. Your ANNUAL PERCENTAGE RATE (APR) is a variable rate based on an Index Rate plus a margin. Your margin will range from 4.00%-14.74% depending on credit quality. The Index Rate is the Prime Rate as published in the Wall Street Journal on the last business day of each calendar quarter. Any change in your ANNUAL PERCENTAGE RATE will result in more or less payments to amortize the balance. The interest rate on existing balances will be adjusted on the first day of January, April, and October of each year. The maximum interest rate will never exceed the rate permitted under law.

***Extra Rewards – Our reward bonus point program can be used for free travel and merchandise.