Credit union · NCUA insured
Cheney Federal Credit Union Credit Card Rates
Top CarrotCheney Federal Credit Union credit cards start at 7.25% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Cheney Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Spokane, WA, where Cheney Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Cheney Federal Credit Union
7.25%APR
Classic VISA Credit Card
2nd-lowest rate
Responders Emergency Services Credit Union
8.90%APR
3rd-lowest rate
Canopy Credit Union
9.90%APR
Cheney Federal Credit Union credit card score
95
Credit card score
Higher than 98% of U.S. banks and credit unions
- Purchase APRPurchase APR7.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Cheney 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.
Classic VISA Credit Card
Fixed rate applies to purchases, balance transfers, and cash advances. 25-day finance charge grace period on purchases. Automatically enrolled in ScoreCard Rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.25% | None | Fixed rate of 7.25% applies to purchases, balance transfers, and cash advances. No annual fee. 25-day grace period on purchases. |
Who can join Cheney 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in the Cheney or Medical Lake School Districts are eligible for membership.
Family and household
- Immediate family members of individuals who live, work, worship, or attend school in the Cheney or Medical Lake School Districts are eligible for membership.
Membership information collected October 4, 2026.