Credit union · NCUA insured
1st University CU Credit Card Rates
1st University CU credit cards start at 13.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How 1st University CU’s credit card rates compare
Compared with banks and credit unions near Waco, TX, where 1st University CU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
1st University CU
13.90%APR
- Up to
- 18.00% APR
You First Bonus Club Rewards Mastercard
Lowest rate
GENCO Federal Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Educators Credit Union
9.75%APR
- Up to
- —
1st University CU credit card score
64
Credit card score
Higher than 11% of U.S. banks and credit unions
- Purchase APRPurchase APR13.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where 1st University CU 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.
Low Rate Platinum Mastercard
Membership required ($5 minimum deposit into savings account). Available to those who live, work, or worship in the Waco area, relatives of current members, or affiliated with Baylor University. Zero fraud liability, ID theft protection, global services, and airport concierge included.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate for 6 months (first six billing cycles). Minimum monthly payment required. |
| Intro, 6 months | 4.50% | None | Introductory rate for 6 months. Rate as low as 4.50% APR based on creditworthiness. No balance transfer fee. |
| Ongoing | 8.90%–18.00% | None | Standard fixed rates after 6-month introductory period based on creditworthiness. $0 annual fee and $0 balance transfer fee. |
Sources (1)
- culink.net/credit-cards · captured Oct 6, 2026
Secured Mastercard
Requires a security deposit as low as $500 (deposited and frozen in a savings account accruing dividends while account is in good standing). Deposit amount determines credit limit. Membership required ($5 minimum deposit into savings account). Available to those who live, work, or worship in the Waco area, relatives of current members, or affiliated with Baylor University. Zero fraud liability, ID theft protection, global services, and airport concierge included.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90%–18.00% | None | Fixed rate based on creditworthiness. Requires security deposit as low as $500. $0 annual fee and $0 balance transfer fee. |
Sources (1)
- culink.net/credit-cards · captured Oct 6, 2026
You First Bonus Club Rewards Mastercard
Membership required ($5 minimum deposit into savings account). Available to those who live, work, or worship in the Waco area, relatives of current members, or affiliated with Baylor University. Earns 1 point for every $1 spent. Zero fraud liability, ID theft protection, global services, and airport concierge included.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate on purchases for 6 months. Minimum monthly payments required. |
| Intro, 6 months | 9.90% | None | Introductory rate on balance transfers for 6 months. Rate as low as 9.90% APR based on creditworthiness. $0 balance transfer fee. |
| Ongoing | 13.90%–18.00% | None | Standard fixed rates based on creditworthiness. $0 annual fee and $0 balance transfer fee. |
Sources (1)
- culink.net/credit-cards · captured Oct 6, 2026
Who can join 1st University CU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.