ESL Credit UnionVisa Credit CardRegistry illustration · issuer artwork unavailable
Visa Credit CardESL Credit Union · federal credit union, NY · NCUA 24563
CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · ConsumerFiled as “ESL Visa® Credit Card”
Foreign fee
—
Grace period
—
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | 10.25%–17.99% variableESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “, between 10.25% - 17.99% based on your creditworthiness. ThisAPR will vary with the market based on the Prime Rate 1 .”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| APR for balance transfers | 10.25%–17.99% variableESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “, between 10.25% - 17.99% based on your creditworthiness. ThisAPR will vary with the market based on the Prime Rate 1 .”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| APR for cash advances | 17.90%ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “17.90%”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | $0ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “None”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 2 |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | — | no source read | |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | up to $25ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “Up to $25.00”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 2 |
| Returned payment | up to $25ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “Up to $25.00”ESL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 2 |