Credit union · NCUA insured
Choice One Community Credit Union Credit Card Rates
Top CarrotChoice One Community Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Choice One Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Scranton, PA, where Choice One Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Choice One Community Credit Union
8.90%APR
VISA Platinum
2nd-lowest rate
Corner Post
8.90%APR
3rd-lowest rate
Penn East Federal Credit Union
9.99%APR
Choice One Community Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Choice One Community 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
Membership eligibility applies (living, working, worshiping, attending school, or owning a business entity in Luzerne, Lackawanna, or Wyoming Counties, PA). Rate based on creditworthiness. No annual fee. Application fee $5.00. 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | Annual Percentage Rate for purchases, cash advances, and balance transfers. Rate as low as 13.50% APR based on creditworthiness. |
| Intro, 6 months | 0.00% | None | Introductory balance transfer rate of 0% APR valid for 6 billing cycles from date of transfer for balances transferred from another institution only. No balance transfer fee. Rate returns to regular rate (13.50% APR) after intro period. |
Sources (3)
- choiceone.org/loan-rates
- choiceone.org/loans/balance-transfer-credit-cards
- choiceone.org/loans/visa-credit-cards
All captured Oct 7, 2026
VISA Platinum
Membership eligibility applies (living, working, worshiping, attending school, or owning a business entity in Luzerne, Lackawanna, or Wyoming Counties, PA). Rate based on creditworthiness. No annual fee. Application fee $5.00. 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Annual Percentage Rate for purchases, cash advances, and balance transfers. Rate as low as 8.90% APR based on creditworthiness. |
| Intro, 6 months | 0.00% | None | Introductory balance transfer rate of 0% APR valid for 6 billing cycles from date of transfer for balances transferred from another institution only. No balance transfer fee. Rate returns to regular rate (8.90% APR) after intro period. |
Sources (3)
- choiceone.org/loan-rates
- choiceone.org/loans/balance-transfer-credit-cards
- choiceone.org/loans/visa-credit-cards
All captured Oct 7, 2026
Who can join Choice One Community Credit Union
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 individuals who live, work, worship, attend school, or have a business entity in Luzerne, Lackawanna, or Wyoming Counties.
Family and household
- Immediate family members of current members are eligible to join regardless of whether they meet geographic criteria.
Cost to join
- A one-time membership fee of $5 is required to join.
- A minimum share savings deposit and balance of $5 is required for membership.
Membership information collected October 5, 2026.