Educational Employees Credit UnionVisa PlatinumRegistry illustration · issuer artwork unavailable

Visa PlatinumEducational Employees Credit Union · state credit union, CA · NCUA 60520

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer website

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

None

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Minimum interest charge	$0.50EDUCATIONAL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“If you are charged interest, the charge will be no less than $0.50.”EDUCATIONAL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Annual fee	NoneEDUCATIONAL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“None”EDUCATIONAL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	$12EDUCATIONAL EMPLOYEES · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“cash advance fee applies to each Visa Convenience Check paid $12.00 each”EDUCATIONAL EMPLOYEES · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 7
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Visa Account Agreement and Disclosurepage 7 of 12

Grace Period: You will have a grace period of 25 days on average for repayment of Purchases. Cash Advances and Balance Transfers are subject to finance charges from the day they post to your account until they are paid in full. If you do not pay your entire statement balance in fullwithin the25-day grace period, finance charges will accrue.

We can change your interest rate and other finance charges by giving you advance notice as is required by applicable law.Unless you have a variable rate account, changes will generally apply to transactions initiated more than 14 days after provision of the notice

OTHER CHARGES

In addition to Finance Charges, the following fees may be assessed to your Visa Account. They will be added to the principal balance and will accrue interest until paid

.Late Payment:

.Returned Payment

Over-the-Credit Limit

Balance Transfer

Cash Advance:

Account Research

Statement Copies:

Up to $15.00

$24.00

None

$5.00 or 2% of the transfer amount, whichever is greater

$5.00 or 2% of the cash advance amount, whichever is greater

$20.00 per hour,one hour minimum

$3.00 per statement

Replacement Cards:

$5.00 per card, plus additiona charge for rush orders

Stop Payment on Recurring

VisaTransaction

Stop Payment on

Visa Convenience Check

Visa Sales Slip Copy:

Visa Card Rush Order

$15.00

The standard cash advance fee applies to each Visa Convenience Check paid $12.00 each

2 days - $25.00; 4 days - $15.00

For new accounts,fees and charges are also stated in the Truth in Lending Credit Card Opening Disclosure incorporated into this Agreement by reference and provided to you separately when your account was opened.

*The following are considered Cash Advances:a) obtaining cash at an ATM using your Visa card;(b a Cash Advance at a financial institution or other entity that offer Visa Cash Advances;(cfunds from the use of a Visa convenience check da Balance Transfer.

CREDITS

If a merchant who honors your card gives you credit for returns or adjustments, he will do so by sending us a credit slip which we will post to your account. You will be liable for any finance charges that accrue between the end of your grace period ana the time the credit posts to your account. if your credits and payments exceed what you owe, the amount will be applied against future Purchases and Cash Advances. If the credit is $1

1 2 3 4 5 6 7 8 9 10 11 12Page 7 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

EDUCATIONAL EMPLOYEES
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:004cc8055977471934d3b9f2e2dc685e86c24b9179805cfcf42d6c2f0cf97f42
“None”
Open source link ↗
EDUCATIONAL EMPLOYEES
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 7
“cash advance fee applies to each Visa Convenience Check paid $12.00 each”
Read exact source ↗
EDUCATIONAL EMPLOYEES
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:004cc8055977471934d3b9f2e2dc685e86c24b9179805cfcf42d6c2f0cf97f42
“Visa Credit Cards”
Open source link ↗
EDUCATIONAL EMPLOYEES
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:004cc8055977471934d3b9f2e2dc685e86c24b9179805cfcf42d6c2f0cf97f42
“If you are charged interest, the charge will be no less than $0.50.”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee
Aug 23, 2026: Cash advance fee

Offered through: Educational Employees Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 60520
Branches: 23 in CA
Sources: Official issuer · 1 document · 1 page cited

Documents

Visa Account Agreement and Disclosureeffective date not parsed

Visa PlatinumEducational Employees Credit Union · state credit union, CA · NCUA 60520

Rates and fees