Consider the ESFCU credit card!  There is NO Balance Transfer Fee and we have a special rate for balance transfers for 6 months**!

Enjoy worldwide acceptance with an ESFCU Visa credit card, and remember, not all Visa cards are created equal. ESFCU offers Visa credit cards with some of the lowest rates available. As an added bonus, those who qualify for the Visa Platinum Plus and Visa Classic cards can take advantage of our Introductory rate of 3.99% APR on purchases and balance transfers for 6 months**. There is NO Annual Fee and NO Balance Transfer Fee!

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Visa Platinum Plus

  • 3.99% APR* Introductory Rate**
  • Non-variable rate as low as 8.99% APR* for all purchases
  • No annual fee
  • No balance transfer fee
*APR = Annual Percentage Rate.
**3.99% Introductory APR for a period of six (6) billing cycles. After that, your APR will be as low as 8.99%.

Visa Classic

  • 3.99% APR *Introductory Rate**
  • Non-variable rate as low as 11.99% APR* for all purchases
  • No annual fee
  • No balance transfer fee
*APR = Annual Percentage Rate.
**3.99% Introductory APR for a period of six (6) billing cycles. After that, your APR will be as low as 11.99%.

Visa Traditional

The Visa Traditional program is reserved for members with not so perfect credit. It's meant to be a stepping stone to our Visa Classic.

  • Non-variable rate as low as 15.99% APR* for all purchases
  • No annual fee
  • No balance transfer fee

*APR = Annual Percentage Rate. Range of rates available are as low as 8.99% to 17.99% APR. Rates, terms and conditions are subject to change and may be based on creditworthiness and qualifications. All loans are subject to approval. Cash Advance fee: $10.00 or 5.00% of the amount of each cash advance, whichever is greater. Foreign Transaction fee: 1.00% of each multiple currency transaction in U.S. dollars; 0.80% of each single currency transaction in U.S. Dollars.


Because LIFE should be REWARDING!
Just log in to ScoreCardRewards.com to open up the world of rewards.  The first time you log in, receive 500 Bonus Points immediately!

You can shop at the Mall where there are over 1600 items available with top brand names like Apple, Dyson and Sony.  OR shop online or in-store at participating retailers and earn 2X, 3X, 4X & MORE in BONUS POINTS and discounts.  Popular retailers like Macy's, JC Penney, Walmart.com and more!