High School Affinity VISA Credit Cards

Education First Credit Union has makes it easy to get the credit you deserve.

Education First offers a VISA® Reward card that gives you the convenience, safety, and acceptance of a VISA® Card. Our credit card is accepted in over six million establishments around the world. The Visa Reward card is tailored to individual needs so you can get the most from your purchasing power.

Visa® Credit Card Benefits

Education First has the best Credit Card available! Here is why:

  • LOW interest rates
  • Rewards points available for ALL credit and debit cards
  • Only $2.00 cash advance fee vs. a % of your advance
  • Worldwide ATM access
  • 25 day grace period on ALL purchases

Why pack cash, your checkbook, and extra credit cards or department store cards, when all you need is the E1CU VISA® of your choice? Your E1CU VISA® gives you the ease, convenience, protection, and freedom you would expect from any competitive financial institution. Apply for an E1CU VISA® card here!

Visa® Credit Cards Rates

Card type

Variable APR**


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.

High School Affinity VISA Credit Cards

We are happy to announce that we are able to order VISA Gold Credit Cards with Ben Lomond or Ogden High’s logos!

These cards work the same as our current VISA Gold card but with an added benefit- we will donate a portion of every dollar spent on these cards directly to the high schools! The Principals can then use the money for whatever their school needs:

  • STEM programs
  • Band instruments
  • Sports equipment
  • Technology
  • Much, much more...

These cards still offer our amazing Xtra Awards program! To switch your current VISA Gold credit card to a High School Affinity card, call 801.392.4877 and let us know you would like to switch! If you don’t have a VISA Gold card yet, the application is easy. Log in to your account, click on the menu. Then click on “Loan Application” under the “Services” tab. Fill out the VISA Gold Credit Card Application and then give us a call to let us know if you would like to receive the Ben Lomond High School of Ogden High School credit card!

  • Log in to your account
  • Click on the menu
  • Click on "Loan Application"

If you aren’t a member yet, fill out the Account Application and drop it off at our drive thru with your Driver’s License and Social Security Card!

Delsa Gull
Vice President

Seasoned loan expert who will guide you through the process from start to finish.

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