Eglin Federal Credit Union
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  EFCU Credit Cards

Pay with your EFCU Credit Card using Apple Pay!   Learn More


Mastercard No Rewards
as low as
7.9%
APR

 
Mastercard With Rewards
as low as
8.9%
APR

The APR is determined at account opening and is based on the borrower’s credit score.
Credit limits: $500 - $20,000
Minimum monthly repayment: $25 or 2% of outstanding balance (whichever is greater)


Features Include:
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • Only a 1.1% International Transaction Fee on foreign transactions
  • Transfer payments using Home Branch or eZCardInfo.com
  • Paperless statements available
  • Mastercard® SecureCode: Register for free additional security for online purchases
  • Travel Accident Insurance up to $1,000,000
  • Payments may be made up to three months ahead
  • Price protection purchases of new merchandise for 60 days
  • Identity theft resolution services
  • Extended warranty available up to an additional 12 months (with original warranty purchase)
  • IMPORTANT DISCLOSURES ABOUT EGLIN FEDERAL CREDIT UNION PLATINUM MASTERCARD®.
    Interest Rates & Interest Charges Platinum Card without Rewards Eglin Platinum Rewards
    Annual Percentage Rate (APR) for
    Purchases, Balance Transfers,
    and Cash Advances
    as low as 7.9% up to 14.9% as low as 8.9% up to 15.9%
    The APR is determined at account opening and is based on the borrower’s credit score.
    Penalty APR None
    Paying Interest Your due date is at least 24 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date
    Minimum Interest Charge None
    For Credit Card Tips from the
    Consumer Financial Protection
    Bureau
    To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
                                     Fees
    Annual Fee None
    Transaction Fees
         Balance Transfer
         Cash Advance
         International Transaction

    None
    None
    1.1% of each international transaction in U.S. dollars.
    Penalty Fees
         Late Payment
         Over-the-Credit-Limit
         Returned Payment

    Up to $20 charge if the minimum required payment is not received 12 days after the statement closing date
    None
    Up to $28.00

    How We Will Calculate Your Balance: We use a method called “average daily balance (including current transactions).”
    Rates, fees and benefits stated are subject to change.
    Members may call 1-800-367-6159 to verify current rates and fees.


    NCUA  We do business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.


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