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Brewer Bears Rewards

  • Every dollar you spend helps support White Settlement ISD programs.
  • Feature
    25,000 bonus points when you spend $5,000 in first 90 days1
  • Feature
    No annual fee
  • Feature
    Earn unlimited 1.25 points on every $1 you spend1
  • Feature
    No balance transfer fee
  • Use points on any hotel, any airline
  • 9.9% APR* on balance transfers for life2
25,000

Bonus points when you spend $5,000 in the first 90 days.1

Apply Now View Pricing & Terms

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Contactless Payment Technology

How to use your contactless credit card.

The better way to pay
and get on with your day

Fast
Speed through the checkout wherever you go every day

Secure
Unique security codes protect each transaction

Convenient
Save time looking for cash, waiting for change, entering a PIN or even signing receipts.

Additional credit card benefits

  • Feature
    Apple Pay
  • Feature
    Google Pay
  • Samsung Pay
    Samsung Pay
  • Fraud Protection
    Fraud Protection
  • Text Alerts
    Text Alerts
  • Free Online Banking
    Free Online Banking
  • Free Mobile Banking
    Free Mobile Banking

Service & Protection

Extra benefits that have you covered.

Zero Liability
Means you won’t be held liable if your card is used for purchases without your permission. Some conditions and exceptions apply.†
ShopRunner
Enroll for a complimentary membership, providing free 2-day shipping and free return shipping at over 140 online stores.
ID Theft Protection
Provides you with access to a number of Identity Theft resolution services, if you believe you are a victim of Identity Theft.
Cellular Wireless Telephone Protection
Provides coverage in the event a covered cell phone is stolen or damaged.

† Learn more about these benefits in the Mastercard® Guide to Benefits

Read our member reviews

More to love about your card

Your card doesn't just reward you, it also works hard to make your life easier.

Show your support for Brewer Bear Nation

EECU has partnered with the White Settlement Independent School District (ISD) and the White Settlement community to bring you a way to support education in your community. Brewer Bears cardholders help fund programs for White Settlement ISD and their students.

Brewer Bears Checking

Show your support for Brewer nation with the official Brewer Bears Checking account and Mastercard® debit card, only at EECU – and your community and school will always be with you.

  • Free Debit Mastercard® with purchase rewards
  • Free online and mobile banking
  • 85,000 Free ATMs - available through the Allpoint® network, including Target® and 7-Eleven® locations

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Brewer Bears Vehicle Loans

Bears beat the competition, so do EECU’s vehicle loan rates. Whether you’re buying a new or used car or truck, or refinancing a current auto loan, EECU gives Bear fans a competitive advantage through our:

  • Great low rates on new and used purchases
  • Fast online application – get approved in minutes
  • Financing up to 100% of the cost

Apply

Brewer Bears Personal Loans

Bears excel on the field and in the classroom. That’s why you’ll appreciate a smarter way to borrow with an EECU Personal loan with rates as low as 6.99% APR. Our fixed-rate Personal Loan can provide fast access to funds for any borrowing need. Borrow smart & save more with:

  • Loan amounts up to $35,000
  • Flexible terms up to 60 months
  • Fast online application – get approved in minutes

Apply

Real members. Real stories.

Multiple generations of our families have taken advantage of the benefits of being EECU members. From checking, savings, CDs, car & home loans, we have trusted EECU for well over 50 years! No matter what the dollar amount, they always take a personal interest in our needs and make us feel like our business is valuable.

Bill & Joyce Baker
Member Since 1984

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* EECU World Rewards Mastercard® APR = Annual Percentage Rate. Rate is effective as of April 1, 2020. 9.9% APR is only available for qualified applicants based on creditworthiness made within ninety (90) days from the anniversary date of account opening4. This APR will be nonvariable. Otherwise, 17.99% APR will apply for Balance Transfers. This APR will be nonvariable. Balance Transfers made ninety-one (91) days or more from the anniversary date of account opening will be made at the standard Balance Transfer APR (10.99% to 17.99%). This APR will be based on your creditworthiness and will vary with the market based on the Prime Rate2,3. All offers subject to EECU lending policies and credit approval. This limited-time offer is subject to change at any time without notice. By applying, you certify that all information provided by you at the time of acceptance is true, correct, and complete and that you are (a) at least 18 years of age and legally able to enter into a contract for the extension of credit and (b) a U.S. citizen or permanent resident. Cardholder benefits are subject to change without notice.

Important Account Terms
EECU World Rewards Mastercard®1
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 10.99% to 17.99% This APR will be based on your creditworthiness and will vary with the market based on the Prime Rate.2,3
APR for Balance Transfers 9.9% APR for Balance Transfers for qualified applicants based on creditworthiness made within ninety (90) days from the anniversary date of account opening4. This APR will be nonvariable. Otherwise, 17.99% APR will apply for Balance Transfers. This APR will be nonvariable.

10.99% to 17.99% APR for Balance Transfers made ninety-one (91) days or more from the anniversary date of account opening. This APR will be based on your creditworthiness and will vary with the market based on the Prime Rate2,3.
APR for Cash Advances 17.99%
How to Avoid Paying Interest on Purchases Your due date is at least 25 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. You will begin charging me interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the
Consumer 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
 - Foreign Transaction
 - Cash Advance Fee
 - Balance Transfer Fee

Up to 1% of each transaction in U.S. dollars
None
None
Penalty Fees
 - Late Payment
 - Returned Payment
 - Over-the-Credit-Limit Fee
 - Penalty APR

Up to $25
Up to $20
None
None


The minimum monthly payment is 2% of your total new balance, or $30, whichever is greater. See your Credit Card Agreement for more details.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.

Balance Transfer Information - Balance transfers are not considered purchases, therefore no grace period applies and finance charges will begin on the transaction date. This offer is valid for balances transferred from other institutions only. Please continue making payments on your other credit card account(s) until the balance transfer is confirmed on your other institution’s account statement.

Billing Rights Information on your rights to dispute transactions, and how to exercise those rights, is provided in your Credit Card Agreement at eecu.org/creditcard.

1 The World Rewards Mastercard® offers an enhanced rewards program which is available as an option to qualified members only, based on creditworthiness. Purchases must be qualifying signature rewards purchases in order to receive points and bonus points. $5,000 in qualifying signature rewards purchases must be made within ninety (90) days from the anniversary date of account opening to receive 25,000 bonus points. Balance transfers, convenience checks, and any fees associated with the card do not qualify for rewards points.
2 Subject to any applicable Introductory or Promotional Rate, after your Account has been open for at least one year, your APR for purchases and balance transfers may also change within the range stated above based on your creditworthiness.
3 Prime Rate: Variable APRs are based on the 3.25% Prime Rate as of 04/01/2020. The Prime Rate is subject to change. The information about the cost of the credit card described above is accurate as of 04/01/2020. This information may have changed after that date. To find out what may have changed, call 1-800-333-9934 or write to EECU at PO Box 1777, Fort Worth, TX 76101-1777.
4 EECU will not process any balance transfer requests that are from any other account or loan that EECU has issued. Additional terms and conditions apply.
† APR=Annual Percentage Rate. The APR ranges from 6.99% - 17.99%. Monthly payment estimate at an APR of 6.99% for a 36-month term on a $10,000 loan is $308.73. Your actual loan amount, rate, and payment terms may vary. Offer valid for personal loans up to 36 months. Terms up to 60 months available at higher rates. Membership required – membership information available at eecu.org. Subject to credit approval & EECU lending policies. Same day deposit does not apply for special account requests or EECU direct pay to creditors. Must complete and return all required documents within the same business day received in order for money to be deposited into an EECU share or checking account. By applying, you certify that all information provided by you at the time of acceptance is true, correct, and complete and that you are (a) at least 18 years of age and legally able to enter into a contract for the extension of credit and (b) a U.S. citizen or permanent resident. This limited-time offer is subject to change without notice.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.