ECU Low Rate Visa Credit Card

The ECU Low Rate Visa Credit Card is designed to help meet your financial obligations without the high annual fees and charges.

Important information

The ECU Low Rate Visa Credit Card is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested. You can compare the current range of low interest credit cards here.

If you would like one competitive interest rate for both purchases and cash advances, then you may want to consider the ECU Low Rate credit card. If you also have a home loan already with ECU, the annual fee is waived.

There's no annual fee for additional cardholders as well, so you can share the convenience and accessibility of your credit card with a loved one without the fuss of opening a new account.

ECU Low Rate Visa Card is backed by Hunter United, a credit union that has grown into a full service financial institution with assets of over $229 million.

Benefits of the ECU Low Rate Visa credit card

  • Interest free days. ECU Low Rate Visa Card offers 55 interest free days on purchases. What that means is if the credit card user pays their balance in full at the end of each billing cycle, they will be charged no interest. If there is a balance due at the end of the billing cycle and a purchase was made at any time during the interest free days time frame, there will be no interest charged for that number of days.
  • Zero Liability. Verified by Visa gives you an added layer of security for those who transact credit card business on the internet from participating stores.
  • Visa PayWave. Your credit card incorporates Visa PayWave, which is contactless payment technology designed to offer you more speed and convenience so you can make your purchases faster.
  • Competitive interest rates. ECU interest rates are the same low rate for purchases and cash advance, a practice almost unheard of in the world of credit cards.

Features of the ECU Low Rate Visa credit card

  • Annual fee. This card comes with a $48 annual fee.
  • Interest-free days. If you repay your balance in full by the payment due date, you can enjoy up to 55 days interest free on purchases.
  • Additional cardholders. With the ECU Low Rate Visa Card, you are allowed to add an additional cardholder to your account at no extra cost.
  • Contactless payment. You can enjoy the convenience of Visa payWave's technology wherein you no longer have to enter a PIN nor provide your signature to authorize a transaction.
  • No balance transfers. The balance transfer feature is not available with this credit card.
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