Credit union · NCUA insured
Ascend Federal Credit Union Credit Card Rates
Top CarrotAscend Federal Credit Union credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Ascend Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Nashville, TN, where Ascend Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Ascend Federal Credit Union
9.50%APR
- Up to
- 18.00% APR
Ascend Visa Platinum Rewards Card
Lowest rate
Heritage South
8.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
Outreach FCU
8.90%APR
- Up to
- —
Ascend Federal Credit Union credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ascend 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.
Ascend Visa Platinum Card
All loans subject to credit approval. Average daily balance method used to calculate balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.50%–18.00% | None | Rate determined when you open your account based on your creditworthiness. |
Ascend Visa Platinum Rewards Card
All loans subject to credit approval. 1% cash back on qualified purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.50%–18.00% | None | — |
Sources (3)
- ascend.org/credit-cards
- ascend.org/credit-cards/visa-platinum
- ascend.org/credit-cards/visa-platinum-rewards
All captured Oct 7, 2026
Ascend Visa Secured Platinum Card
No credit check required. Credit limit is determined by the security deposit provided.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Fixed annual percentage rate. Minimum deposit amount is $300. |
Sources (3)
- ascend.org/credit-cards
- ascend.org/credit-cards/visa-platinum
- ascend.org/credit-cards/visa-secured-platinum-card
All captured Oct 7, 2026
Student Visa
All loans subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | — |
Sources (1)
- ascend.org/credit-cards/visa-platinum · captured Oct 7, 2026
Who can join Ascend 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
- Eligibility is open to individuals who live, work, worship, or attend school in financially underserved areas, including all of Franklin County and parts of Davidson, Dickson, Marshall, Maury, Putnam, Rutherford, Van Buren, Warren, and White counties.
Employers and groups
- Eligibility is open to employees or members of one of Ascend's more than 1,200 local employer or organization partners.
Family and household
- Eligibility is open to immediate family members (spouse, parents, grandparents, children, siblings, grandchildren, including step and adoptive relationships) or household members demonstrating a degree of permanency with an existing Ascend member.
Other ways
- Eligibility is open to members of The Nature Conservancy (TNC) in Tennessee (membership can be obtained with a $25 contribution/donation).
Cost to join
- A $5 refundable savings account deposit representing one share is required to establish membership.
- A $25 one-time contribution/donation to The Nature Conservancy in Tennessee is required if qualifying via TNC.
Membership information collected October 5, 2026.