First Electronic Bank credit card terms
Bank · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
First Electronic Bank reported a surveyed purchase APR of 16.74% – 29.99% (median 28.46%) to the CFPB Terms of Credit Card Plans survey, across 1 product. 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.
First Electronic Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 16.74% – 29.99% |
| Median purchase APR | 28.46% |
| Rate type | variable |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | — |
| Annual fee | — |
| Late fee (median) | $27 |
| 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 First Electronic Bank did not report that field in the survey.
First Electronic Bank purchase APR by credit tier
Median purchase APR First Electronic Bank 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) | 29.99% |
| Good credit (620-719) | 29.99% |
| Great credit (720+) | 26.24% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How First Electronic Bank 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. First Electronic Bank's median of 28.46% sits above the 21% national average APR.
Similar issuers (bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| First Electronic Bank (this issuer) | 16.74% – 29.99% | 28.46% | — |
| Evolve Bank & Trust | 29.49% | 29.49% | $99 |
| First American Bank And Trust | 22.5% | 22.5% | — |
| Forcht Bank | 12.75% – 24.75% | 21.75% | $295 |
| Tcm Bank | 16.74% – 26.74% | 21.74% | — |
| Blue Ridge Bank | 17.49% – 23.49% | 20.49% | — |
| First State Bank | 18% | 18% | — |
Evolve Bank & Trust · First American Bank And Trust · Forcht Bank · Tcm Bank · Blue Ridge Bank · First State Bank
Frequently asked questions
What is First Electronic Bank's credit card APR?
First Electronic Bank reported a purchase APR of 16.74% – 29.99% to the CFPB Terms of Credit Card Plans survey (median 28.46%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does First Electronic Bank charge an annual fee?
First Electronic Bank 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 First Electronic Bank a good choice for a low APR?
First Electronic Bank's surveyed range is 16.74% – 29.99%. Compare it against a credit union, which often offers lower rates (federal credit unions are capped at 18%).
Keep exploring
Sources & accuracy
Terms reported by First Electronic Bank (First Electronic Bank) 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