* EECU World Rewards Mastercard
® APR = Annual Percentage Rate. Rate is effective as of October 1, 2024. 9.9% APR is only available for qualified applicants based on creditworthiness made within ninety (90) days from the anniversary date of account opening
4. 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 (15.74% to 17.99%). This APR will be based on your creditworthiness and will vary with the market based on the Prime Rate
2,3. 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 |
15.74% 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.
15.74% 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 8.00% Prime Rate as of 10/01/2024. The Prime Rate is subject to change. The information about the cost of the credit card described above is accurate as of 10/01/2024. 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 8.99% - 17.99%. Monthly payment estimate at an APR of 8.99% for a 36-month term on a $10,000 loan is $317.99. 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.