Eastman Credit Union Platinum Preferred | Consumer Financial Protection Bureau

Nationwide

Availability

Eligibility requirements

Must be a member of Eastman Credit Union and qualification is based on field of membership requirements.
This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

ecu.org

Phone

(800) 999-2328

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

9.9%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
620-719	9.9%	1 dollar sign symbol Pay less interest
720+	9.9%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: 25 days until interest begins to accrue on purchases
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $25 for the first late payment
Late fee policy details: Late fee is a maximum of $25; however, the late fee cannot be more than the statement account balance. (i.e. Statement account balance is $10; therefore, late fee would be $10.)
Over-limit fee: None
ECU Loan Guardian: $0.01 (Optional loan payment protection coverage selected by member. Monthly fee is based on level of coverage selected and statement account balance.)

Rewards and perks

Travel and other

Other rewards: Gift Cards, Pay With Points (redeemable to offset purchases), Gas Discounts (discount taken at merchant), small appliances, etc.

Services

Debt cancellation coverage
Discounts on purchases of goods and services (non travel related)
Travel and Emergency Assistance Services

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Did you know: If you carry a balance on your credit card, interest and fees typically exceed the value of any rewards earned. Learn why rewards may not be as beneficial as they seem.

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

9.9%*

+

$0

*As of Dec. 31, 2024. Advertised cash advance APRs change over time. Check rates before applying.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.