* EECU Cash 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 (16.74% 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.
Cash back rewards have no cash value, cannot be converted to cash, and cannot be transferred. Reward is paid each calendar month in the form of an automatic credit to the Account. Additional terms and conditions apply, refer to the Mastercard® Terms and Conditions. To request a Mastercard® Terms and Conditions prior to responding please call 817-882-0800 or visit eecu.org/personal-banking/credit-cards.
Important Account Terms
| EECU Cash Rewards Mastercard®1 |
| Interest Rates and Interest Charges |
| Annual Percentage Rate (APR) for Purchases |
16.74% 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.
16.74% 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 Cash Rewards Mastercard® offers an enhanced rewards program which is available as an option to qualified members only, based on creditworthiness. Balance transfers, convenience checks, and any fees associated with the card do not qualify for cash back rewards. Refer to your rewards terms and conditions at eecu.org/creditcard for additional information.
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.