Whatcom Educational Credit Union credit card terms
Credit union · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Whatcom Educational Credit Union reported a surveyed purchase APR of 14.24% – 21.24% (median 17.24%) 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.
Whatcom Educational Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 14.24% – 21.24% |
| Median purchase APR | 17.24% |
| Rate type | variable |
| Intro / promo APR offered | Not reported |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 21.24% |
| 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 Whatcom Educational Credit Union did not report that field in the survey.
Whatcom Educational Credit Union purchase APR by credit tier
Median purchase APR Whatcom Educational 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) | 21.24% |
| Good credit (620-719) | 17.24% |
| Great credit (720+) | 14.24% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Whatcom Educational 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. Whatcom Educational Credit Union's median of 17.24% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Whatcom Educational Credit Union (this issuer) | 14.24% – 21.24% | 17.24% | — |
| Jovia Financial Federal Credit Union | 11.49% – 17.99% | 16.99% | — |
| Sunmark Credit Union | 11.49% – 22.49% | 17.49% | — |
| Three Rivers Federal Credit Union | 14.95% – 18% | 16.95% | — |
| Bellwether Community Credit Union | 12.99% – 25.24% | 17.56% | — |
| Trugrocer Federal Credit Union | 16.9% | 16.9% | — |
| Valley Strong Credit Union | 12.75% – 17.9% | 16.75% | — |
Jovia Financial Federal Credit Union · Sunmark Credit Union · Three Rivers Federal Credit Union · Bellwether Community Credit Union · Trugrocer Federal Credit Union · Valley Strong Credit Union
Frequently asked questions
What is Whatcom Educational Credit Union's credit card APR?
Whatcom Educational Credit Union reported a purchase APR of 14.24% – 21.24% to the CFPB Terms of Credit Card Plans survey (median 17.24%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Whatcom Educational Credit Union charge an annual fee?
Whatcom Educational 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 Whatcom Educational Credit Union a good choice for a low APR?
Whatcom Educational Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (14.24% – 21.24%) 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 Whatcom Educational Credit Union (Whatcom Educational 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