Educators Credit Union Visa Pledge Credit Card

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Educators Credit Union Visa Pledge Credit CardIf you are young and are having difficulty getting your first credit card, or have had challenges with your credit, the Educators Credit Union Visa Pledge Credit Card may be a good choice for you. It is a credit card that is secured by an account and helps build your credit.

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Educators Credit Union Visa Pledge Card Features

The Visa Pledge Card from the Educators Credit Union is basically a secured type of credit card. This means that the credit limit on the card is secured by money that is kept somewhere else. In this case, the Visa Pledge card is secured by the funds that you have in your Educators Credit Union savings account.

As long as you have the money in your savings account, you can have a limit on the credit card that ranges anywhere from $500 to $2,500. The terms of the Visa Pledge are the same as the Classic Visa credit card from Educators Credit Union.

Once you have made on time payments for 12 months, your card will switch over to the Educators Classic Visa and you will no longer need to hold the funds through your savings account. Keep in mind that this can open you up to credit card debt if you are not careful. For tips on managing credit, visit the website for MyMoney.

Educators Credit Union Prime Share Savings Account Information

In order for you to have the Visa Pledge card, you need to be a member of the Educators Credit Union and have a Prime Share Savings account. This is the base account of the credit union. To open an account you only need to deposit $5 and maintain that balance.

The Prime Savings account represents your part ownership of the Educators Credit Union and you will begin earning interest on the balance once the balance reaches at least $100. The account also allows you to use all of the services of the credit union.

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