Empowerment Credit Card

GECU Empowerment Credit Card*

Excel in the classroom with the GECU Empowerment credit card! From tuition and uniforms to school supplies and electronics, pay for everything that you need to be ready for this school year with …

  • No annual fee
  • No cash advance fees
  • No balance transfer fees

Add your GECU Empowerment credit card to your mobile wallet for easy contactless pay!


Take advantage of the savings when you transfer your high-interest-rate balances to a GECU Empowerment credit card and …

  • Enjoy a low introductory APR*
  • Save money on interest on remaining balances
  • Consolidate payments to get rid of debt quicker

Apply for a GECU Empowerment credit card to get ready for the school year or to consolidate debt.

Apply Now

Apply Now Make everyday purchases with the GECU Empowerment credit card. With the GECU Empowerment credit card, you'll enjoy keeping more of your money in your wallet with …

  • No annual fee
  • No over-the-limit fee
  • No balance transfer fee
  • Mastercard® Zero Liability policy**
  • No finance charges on balances paid in full each month
  • No cash advance transaction fees
  • 25-day grace period on new purchases
  • Competitive, variable interest rates

Check out the GECU credit card Mastercard® Guide to Benefits.

Tired of high-interest-rate credit cards? Make the switch to a GECU credit card!

Apply for a GECU credit card at an introductory rate of 1.90% APR* and you could save when you transfer your balance to the credit union that you own.

If you're ready to apply, then say goodbye to credit cards with high interest rates and say hello to big savings!

Manage your GECU Credit Card with Online Banking

We make it easy for you to manage your GECU credit card with just one click.

  • Review your current account summary and card activity statement
  • View billing statements
  • Make a payment
  • Transfer the balance from another credit card to your GECU Empowerment credit card
  • Sign up to receive your statement online


GECU Empowerment Credit Card Agreement

Your current credit card agreement and pricing information may be viewed here.

For all other agreements, requests may be submitted by calling 915.778.9221, toll-free at 1.800.772.4328, or by clicking GECU Chat and submitting your request.

Cardholder Support and/or Disputes

*Subject to credit qualification and approval. Other conditions apply. Offer applies to new GECU Empowerment credit cards only. 1.90% introductory Annual Percentage Rate (APR) is subject to qualification that is based on creditworthiness and other factors. The introductory rate is fixed for the first six billing cycles after opening the account for all purchases, balance transfers, convenience checks and cash advances. After that, the variable standard rate for purchases, balance transfers and convenience checks will apply (7.90%–17.65% APR as of April 1, 2020). The variable APR for cash advances is 2% above your APR for purchases, not to exceed 17.90%. The introductory rate may end sooner if your payment is late. See the variable rates and additional disclosures in the GECU Credit Card Agreement and Disclosure Statement for your GECU Empowerment credit card at your GECU location or by clicking here. Introductory rate and range of rates do not apply to the GECU Rewards credit card. Learn more about how you can join. Click here.
**Under Mastercard® Zero Liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us. If you do not exercise reasonable care and promptly notify us, your liability will be determined under the standards set forth within the GECU Terms and Conditions brochure for all other transactions.

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