Maryland Heights

1805 Craigshire Road
Maryland Heights, MO 63146


16500 Manchester Road
Wildwood, MO 63040

Manchester (Lafayette Center)

407 Lafayette Center Road
Manchester, MO 63011

South County (Tesson Ferry)

12400 Tesson Ferry Road
St. Louis, MO 63128

CU Service Centers No-Fee ATMs

Credit Cards

Electro Savings offers some of the most competitive credit cards in the St. Louis and Metro East area. We offer VISA® credit cards for people with perfect credit, no credit or those working on improving their credit. We save you money with low fixed balance transfer rates, low rates on everyday purchases, no annual fee on most cards, no fee for balance transfers and no penalty pricing.

For a limited time, apply for 0% APR* for 6-months on balance transfers with no fee! Learn more.


All Electro Savings credit cards offer:

  • Competitive Rates
  • Secure EMV chip technology
  • Mobile Card Controls
  • Secure online e-statement delivery and storage in MyEdocs
  • 25-day, interest-free grace period on purchases
  • 24-hour customer service
  • Emergency card replacement and $500,000 free travel accident insurance
  • Cash advances and purchases are the same low rate
  • Easy online account review and payment options
  • Verified by VISA online shopping protection
  • Supports Apple Pay

Apply Now

Classic Credit Card

  • No annual fee
  • Credit limit up to $5,000

Gold Credit Card

  • No annual fee
  • Credit limit up to $10,000
  • Eligible for myCUpoints rewards

Platinum Credit Card

  • No annual fee
  • Credit limit up to $15,000
  • Eligible for myCUpoints rewards

Student Credit Card

  • No annual fee
  • Credit limit up to $800
  • Must be at least age 18 with qualified co-signer

For people with no credit or who are serious about re-building their credit, we offer two programs that help establish or re-build credit with on-time payments:

Credit Builder Credit Card

  • $25 annual fee
  • Credit limit up to $1,000

Apply Now

Fee Schedule

Using Credit Cards Wisely

How do you choose the credit card that is right for you? Here are some credit card tips that will help you so you can reach your financial goals.

Meet Jill, Our Fraud Detection Assistant

As part of our continuing effort to bring the best technology and service to our members, our credit cards come with a Fraud Detection and Notification System. The system notifies our members quickly when fraud is suspected on their Electro Savings credit card. The notification portion of the system includes state-of-the-art automated assistance to help our members review transactions and confirm their spending activity.

If you ever receive a notification call from our automated assistant, whom we have nick-named Jill, work with her to answer questions regarding recent card activity. Please also be aware that our Card Member Security team that provides fraud alert management is available 24 hours per day, 7 days per week should you need assistance from a live agent.

Apple Pay

Add your Electro Savings credit card to use with Apple Pay so you can pay on the go with compatible Apple devices. That means you can now use your Electro Savings credit card directly from your iPhone® 6 to pay for purchases at many of your favorite stores. It's the convenient way to pay with a simple touch of your finger. Learn More About Apple Pay