CFPB TCCP survey · December 31, 2025
Gecu Federal Credit Union credit card rates & fees
Gecu Federal Credit Union reported 2 credit card plans to the CFPB. Their median purchase APR is 14.99%, lower than the 23.49% median across all surveyed cards. The lowest starting APR is on the Empowerment Credit Card (11.90%). 2 of 2 plans have no annual fee.
Credit union Gecu Federal Credit Union financial health scorecard 75 out of 100, Strong
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Empowerment Credit Card | 11.90% – 17.90% | 12.2% / 14.7% / 17.9% | — | $0 | $25 | 1.0% | 25 d |
| Rewards Credit CardCashback rewards; Travel-related rewards; Other rewards | 14.74% – 17.90% | 15.0% / 17.7% / 17.9% | — | $0 | $25 | 1.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.