Credit union · NCUA insured
American 1 Credit Union Credit Card Rates
American 1 Credit Union credit cards start at 10.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How American 1 Credit Union’s credit card rates compare
Compared with banks and credit unions near Jackson, MI, where American 1 Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
American 1 Credit Union
10.00%APR
- Up to
- 18.00% APR
Visa Rewards Non-Variable
Lowest rate
Aeroquip CU
7.80%APR
- Up to
- —
2nd-lowest rate
MSU Federal Credit Union
9.90%APR
- Up to
- 17.90% APR
American 1 Credit Union credit card score
81
Credit card score
Higher than 57% of U.S. banks and credit unions
- Purchase APRPurchase APR10.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American 1 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.
Visa Rewards Non-Variable
Offer of credit is subject to credit approval or underwriting requirements. Annual fee is none. Opt-In of Online Banking and Savvy Money required. Non-variable rate options available with no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00%–18.00% | None | Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers: 10.00% - 18.00% depending on your credit score. Annual percentage rates (APR) listed are 'as low as' based on credit score and term, and are subject to approval. Maximum APR is 18%. |
Sources (3)
- american1cu.org/loan-rates
- american1cu.org/privacy-and-disclosures/visa-disclosure
- american1cu.org/rewards-card
All captured Oct 5, 2026
Visa Rewards Variable
Variable APR based on the Prime Rate published in the Wall Street Journal on the last day of each calendar month. Offer of credit is subject to credit approval or underwriting requirements. Annual fee is none. Opt-In of Online Banking and Savvy Money required. Variable rate options available with no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.24%–18.00% | None | Annual Percentage Rate (APR) for Purchases, Cash Advances, & Balance Transfers: 12.24% - 18.00% depending on credit score. Equal to Prime Rate plus margin: Tier A 5.74%, Tier B 7.74%, Tier C 11.74%, Tier D 14.74%. Maximum APR is 18.00%. Rate table lists 6.74%+Index. |
Sources (3)
- american1cu.org/loan-rates
- american1cu.org/privacy-and-disclosures/visa-disclosure
- american1cu.org/rewards-card
All captured Oct 5, 2026
Who can join American 1 Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.