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5 Star Rating
Verified CustomerI am a member of ESL FCU and receive dividends based on my business volume. They treat me like my business matters to them; 5 star always.
Product: ESL Federal Credit Union Credit Cards
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Please find below credit cards offered by ESL Federal Credit Union.
Compare ESL Federal Credit Union Credit Cards
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Secured Credit CardMin Deposit of $300
One-Time Fees$0
Regular APR17.99% (V)
Secured Card
Min Deposit of $300
One-Time Fees
$0
Regular APR
17.99% (V)
annual fee
$0
monthly fee
$0
minimum credit
Bad
WalletHub's Take
Pros
- No membership fees
- Qualify with bad credit
Cons
- High regular APR
- Foreign fee
- Requires security deposit
Read our editor's full ESL Federal Credit Union Secured Credit Card review.
Additional Info
- Credit lines from $300 - $1,000.
- Helps build or restore credit – payment history is reported to the credit bureaus.
- Keep track of your account activity with transaction alerts available by phone and email.
- Visa Zero Liability.
Purchase Intro APR0% for 12 months
Transfer Intro APR0% for 12 months|Transfer Fee: $0
Regular APR12.50% - 17.99% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee: $0
Regular APR
12.50% - 17.99% (V)
annual fee
$0
rewards rate
None
minimum credit
Excellent
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
Cons
- No rewards
- No initial rewards bonus
- Foreign fee
- Requires excellent credit
Read our editor's full ESL Federal Credit Union Visa Credit Card review.
Additional Info
- Travel and emergency assistance including Emergency Message Service, Medical and Legal Referral Assistance, Lost Luggage Assistance, Emergency Ticket Replacement and more.
- Additional and replacement cards.
- Free Warranty Manager includes warranty registration and extended warranty protection.
- Auto rental insurance which automatically covers vehicle damage or theft up to the full value of most vehicles rented using the Credit Card.
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ESL Federal Credit Union Credit Card Reviews
3.0
78 reviews
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5 Star Rating
Verified CustomerEnjoy my bank they are always there for me. Anytime I had questions or concerns they were on it to clarify and solve. I would recommend them to everyone.
Product: ESL Federal Credit Union Credit Cards
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2 Star Rating
ESL website has been crashing a lot especially on fridays . So I called customer service and the person I spoke with laughed like and idiot and said “ yeah our site crashes a lot on fridays “ . He was very unprofessional !!! So disappointed with ESL . I used to be very happy with them but not anymore !!!
Product: ESL Federal Credit Union Credit Cards
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1 Star Rating
Dont bother unless you already have 700+ score. Even if you have been with the bank for 13 years, have a 678 with 100% on time payments and never any collections. They deny you. All I needed was my credit limit raised and I would soar into the 700s but no. I was previously denied for car loans and personal so I'm done. They can't help anyone besides themselves apparently... this bank sucks.
Product: ESL Federal Credit Union Credit Cards
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5 Star Rating
Banking with ESL has been an overall great experience for me. So far, this is the best credit union I have had the pleasure of doing business with. They are very good with security. If they believe that someone else may be using your card, they block it so that no money can be taken from you, and if it's actually you using the card, they resolve the problem fast and easy with no hassle. It's very easy to get checking and savings accounts, and they do not charge you any huge or hidden fees. Overall, this bank is very good, with very good customer service.
Product: ESL Federal Credit Union Credit Cards
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5 Star Rating
I recently got the ESL Federal Credit Union Visa Gold Credit Card and I have to say that I love the card. The low introductory interest rate and then the regular rate on the card is great. I was able to get rid of two of my existing credit cards by obtaining this one card. The best part is the interest rate on this one card was between 5 - 6% lower than what I had. One great plus of the card is that it links to ESL's owner's dividend. The owner's dividend is a payback perk by ESL to its members based on all the accounts the owner has. You can get an extra payment in on the card with owner's dividend from what I have calculated for our account. It is a great card and I suggest getting one if you can!
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ESL Federal Credit Union Credit Card Q&A
Get answers to your questions about ESL Federal Credit Union Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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3
UpvotesHow much is the ESL Visa Credit Card balance transfer limit?
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Susan Tate
The ESL Visa Credit Card balance transfer limit is equal to the credit limit on your card.
So, if you have a $10k credit limit you could transfer that amount to the card.
0
UpvotesWhat credit score is needed for an ESL Visa Credit Card?
Reply
Evelyn Boros
To be considered eligible for the ESL Federal Credit Union Visa Credit Card you'll need a credit score of at least 750 (excellent credit). And besides your credit score, the issuer will also look at other factors to decide whether to approve you or not, such as your:
- Income
- Debts
- Previous relationship with ESL Federal Credit Union
Keep in mind that in order to apply for the ESL Federal Credit Union Visa Credit Card, you must be an ESL FCU Member.
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