Credit union · NCUA insured
1st Community Federal Credit Union Credit Card Rates
1st Community Federal Credit Union credit cards start at 10.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How 1st Community Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Angelo, TX, where 1st Community Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
1st Community Federal Credit Union
10.95%APR
Rewards VISA Platinum
Lowest rate
Concho Educators Federal Credit Union
9.90%APR
2nd-lowest rate
San Angelo Federal Credit Union
9.95%APR
1st Community Federal Credit Union credit card score
78
Credit card score
Higher than 47% of U.S. banks and credit unions
- Purchase APRPurchase APR10.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st Community Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Rewards VISA Platinum
Membership and credit card must be open, active, current, not over limit, and accounts in good standing to receive annual rewards payout on November 1st. No annual fee or cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.95% | None | Introductory rate on purchases made in the first 12 months after account opening. |
| Ongoing | 10.95% | None | Go-to rate after 12 months on new cards issued starting March 1, 2023. Same rate applies to purchases and cash advances. |
VISA Platinum
No annual fee or cash advance fee. Payment due dates are the 28th of the month. Rates and terms based on approved credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.95% | None | Introductory rate on purchases made in the first 12 months after account opening. |
| Ongoing | 10.95% | None | Go-to rate after 12 months on new cards issued starting March 1, 2023. Same rate applies to purchases and cash advances. |
Sources (1)
- 1cfcu.org/credit-cards · captured Oct 7, 2026
Who can join 1st Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward, or Winkler counties in Texas are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild) of persons having primary potential eligibility to join the Credit Union are eligible.
Other ways
- Businesses, organizations, and other legal entities located in Tom Green, Schleicher, Runnels, Pecos, Midland, Crane, Andrews, Brewster, Coke, Concho, Crockett, Ector, Glasscock, Irion, Kimble, Loving, Martin, Mason, McCulloch, Menard, Reagan, Sterling, Sutton, Terrell, Upton, Ward, or Winkler counties of Texas are eligible for membership.
Cost to join
- Members must make a minimum deposit of $25.00 to a Share (savings) Account representing the par value of a share, which is refundable if membership is closed after at least 90 days.
- A one-time non-refundable joining fee of $5.00 is required to establish membership.
Membership information collected October 5, 2026.