Electel Cooperative Federal Credit Union credit card terms
Credit union · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Electel Cooperative Federal Credit Union reported a surveyed purchase APR of 9.9% – 17.9% (median 13.9%) to the CFPB Terms of Credit Card Plans survey, across 1 product. As a credit union, its cards are capped at an 18% APR by federal law. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Electel Cooperative Federal Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 9.9% – 17.9% |
| Median purchase APR | 13.9% |
| Rate type | fixed |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 17.9% |
| Annual fee | — |
| Late fee (median) | — |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Electel Cooperative Federal Credit Union did not report that field in the survey.
Electel Cooperative Federal Credit Union purchase APR by credit tier
Median purchase APR Electel Cooperative Federal Credit Union reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 15.9% |
| Good credit (620-719) | 11.9% |
| Great credit (720+) | 9.9% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Electel Cooperative Federal Credit Union compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Electel Cooperative Federal Credit Union's median of 13.9% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Electel Cooperative Federal Credit Union (this issuer) | 9.9% – 17.9% | 13.9% | — |
| Achieve Financial Credit Union | 9.9% – 17.9% | 13.9% | — |
| Schoolsfirst Federal Credit Union | 10% – 17.9% | 13.95% | — |
| Cpm Federal Credit Union | 10.99% – 16.99% | 13.99% | — |
| Nih Federal Credit Union | 11.99% – 16.99% | 13.99% | — |
| Premier America Credit Union | 11.99% – 24.99% | 13.99% | — |
| Align Credit Union | 11.75% – 16.75% | 13.75% | — |
Achieve Financial Credit Union · Schoolsfirst Federal Credit Union · Cpm Federal Credit Union · Nih Federal Credit Union · Premier America Credit Union · Align Credit Union
Frequently asked questions
What is Electel Cooperative Federal Credit Union's credit card APR?
Electel Cooperative Federal Credit Union reported a purchase APR of 9.9% – 17.9% to the CFPB Terms of Credit Card Plans survey (median 13.9%), across 1 surveyed product. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Electel Cooperative Federal Credit Union charge an annual fee?
Electel Cooperative Federal Credit Union did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Electel Cooperative Federal Credit Union a good choice for a low APR?
Electel Cooperative Federal Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (9.9% – 17.9%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by Electel Cooperative Federal Credit Union (Electel Cooperative Federal Credit Union) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29