Energy Capital Credit Union

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Credit Cards

Energy Capital Visa® Platinum™ Credit Card


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The Perfect Card for you with no annual fee and a competitive rate.

Do you enjoy the convenience of a credit card, but have a difficult time finding a card without the hidden fees? Our card is a convenient and affordable way to make your shopping, entertainment and travel purchases.

  • No rewards points maximum
  • 25 day grace period on purchases
  • Emergency card replacement
  • No balance transfer fee
  • No annual fee
  • Interest rate for cash advacnes is the same rate as every day purchases
  • $0 liability for unauthorized transactions


Family First Visa® Credit Card


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Want to teach financial responsibility? We can help.

With the Family First VISA®, your children can now build credit and learn responsible credit card usage. This card will also give you peace of mind knowing that they’ll have it for emergencies. This card offers a family credit line with individual accounts, customized spending limits and parental controls for teen cardholders.

VISA® Secured Credit Card


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All the benefits of a normal credit card, plus building your credit. That's a win.

With this credit card, we use your share account as collateral for your card. If you are looking to build or rebuild credit, then this card is for you. Must be 18 years of age to apply and access to share account balance will remain frozen until the card is closed.

Energy Capital Power Up Visa® Platinum™ Credit Card


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Need to power up your credit? This card will recharge it.

When you qualify for this card, you are automatically approved for a $500 credit limit. With on-time payments and responsible usage, we’ll automatically increase your credit limit every month. After five months, your credit limit will be $1000 – double the original amount.


*APR = Annual Percentage Rate and is inclusive of all discounts and is dependent on credit worthiness. Rates, terms and offers stated on this website are subject to change without notice. Your rate may vary based on the loan amount, term and your personal circumstances.