Credit union · NCUA insured
Austin FCU Credit Card Rates
Austin FCU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Austin FCU’s credit card rates compare
Compared with banks and credit unions near Austin, TX, where Austin FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Austin FCU
9.90%APR
- Up to
- 15.90% APR
Standard MasterCard
Lowest rate
Government Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
PECU
7.99%APR
- Up to
- —
Austin FCU credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Austin FCU 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.
Secured MasterCard
Requires 120% secured in an Austin FCU Share Account. After 12 months, cardholder may apply to have card unsecured.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Fixed/flat 15.90% APR with 120% secured in an Austin FCU Share Account. After 12 months, cardholder can apply to have card unsecured. No annual fee. |
Sources (3)
- austinfcu.com/loans/credit-cards
- austinfcu.com/loans/credit-cards/secured-mastercard
- austinfcu.com/rates
All captured Oct 7, 2026
Standard MasterCard
Fixed non-variable APR determined by credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–15.90% | None | Fixed non-variable APR ranging from 9.90% to 15.90% based on credit score. No annual fee. |
Sources (3)
- austinfcu.com/loans/credit-cards
- austinfcu.com/loans/credit-cards/standard-mastercard
- austinfcu.com/rates
All captured Oct 7, 2026
Who can join Austin FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or attends school in the designated South / Southeast Austin community map area.
Family and household
- Family members of eligible individuals can qualify to join.
Membership information collected October 5, 2026.