Credit union · NCUA insured
CFCCU Credit Card Rates
Top CarrotCFCCU credit cards start at 9.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How CFCCU’s credit card rates compare
Compared with banks and credit unions near Waterloo, IA, where CFCCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
CFCCU
9.00%APR
- Up to
- —
MasterCard Classic
2nd-lowest rate
Empeople Credit Union
11.90%APR
- Up to
- 18.24% APR
3rd-lowest rate
Nicolet National Bank
11.90%APR
- Up to
- 23.90% APR
CFCCU credit card score
88
Credit card score
Higher than 81% of U.S. banks and credit unions
- Purchase APRPurchase APR9.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CFCCU 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.
MasterCard Classic
For Qualified Members. Variable rate (Prime Rate + 2%) subject to change without notice. 25-day grace period on purchases. Automatic payments from CFCCU account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.00% | None | For Qualified Members. Variable rate (currently 9.00% APR; Rate = Prime Rate + 2%) subject to change without notice. 25-day grace period on purchases. No Cash Advance Fee, No Balance Transfer Fees. |
Sources (1)
- cfccu.org/credit-cards · captured Oct 7, 2026
MasterCard Gold
For Qualified Members. 25-day grace period on purchases. Automatic payments from CFCCU account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | For Qualified Members. 25-day grace period on purchases. No Cash Advance Fee, No Balance Transfer Fees. |
Sources (1)
- cfccu.org/credit-cards · captured Oct 7, 2026
MasterCard Platinum
For Qualified Members. 25-day grace period on purchases. Automatic payments from CFCCU account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | For Qualified Members. 25-day grace period on purchases. No Cash Advance Fee, No Balance Transfer Fees. |
Sources (1)
- cfccu.org/credit-cards · captured Oct 7, 2026
Who can join CFCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to individuals who live or work in 20 Iowa counties (Allamakee, Benton, Black Hawk, Bremer, Buchanan, Butler, Chickasaw, Clayton, Delaware, Grundy, Fayette, Floyd, Franklin, Hardin, Howard, Linn, Marshall, Mitchell, Tama, and Winneshiek).
Family and household
- Open to individuals who have an immediate family member who is a member of the Credit Union.
Cost to join
- A deposit of $5 into a savings account is required upon opening membership.
Membership information collected October 4, 2026.