Credit union · NCUA insured
America's Credit Union Credit Card Rates
America's Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How America's Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where America's Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
America's Credit Union
9.99%APR
Visa® Platinum
Lowest rate
Service 1st Credit Union
6.00%APR
2nd-lowest rate
Unity One Credit Union
8.90%APR
America's Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where America's 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® Classic
Credit lines starting at $500. No annual fees, no cash advance fees, no balance transfer fees, and no higher rate for cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99% | None | Rate is APR as low as 12.99%. Credit lines starting at $500. No annual fee, cash advance fee, or balance transfer fee. |
Visa® Platinum
No annual fees, no cash advance fees, no balance transfer fees, and no higher rate for cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Rate is APR as low as 9.99%. No annual fee, cash advance fee, or balance transfer fee. |
Who can join America's Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of America's Credit Union are eligible for membership.
Family and household
- Everyone in the immediate household of an employee of America's Credit Union is eligible for membership.
Membership information collected October 5, 2026.