Credit union · NCUA insured
Circle Federal Credit Union Credit Card Rates
Top CarrotCircle Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Circle Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near South Bend, IN-MI, where Circle Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Circle Federal Credit Union
9.90%APR
- Up to
- —
Visa Platinum Credit Card
2nd-lowest rate
South Bend Firefighters Credit Union
9.90%APR
- Up to
- —
3rd-lowest rate
TLCU Financial
10.00%APR
- Up to
- 21.00% APR
Circle Federal Credit Union 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 Circle 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.
Visa Platinum Credit Card
Circle Federal Credit Union membership required. Minimum credit limit starts at $250. No annual fee and no cash advance fees. Overdraft protection available when linked to checking.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Credit score 800+. Revolving term. |
| Ongoing | 11.90% | None | Credit score 750-799. Revolving term. |
| Ongoing | 12.90% | None | Credit score 700-749. Revolving term. |
| Ongoing | 13.90% | None | Credit score 650-699. Revolving term. |
| Ongoing | 16.90% | None | Credit score 649 and below. Revolving term. |
Sources (3)
All captured Oct 5, 2026
Visa Secured Credit Card
Circle Federal Credit Union membership required. Backed by funds held in Circle Federal Credit Union Savings Account. Minimum credit limit starts at $250. No traditional credit report needed. Minimum age requirement is 12 years old with a qualified co-borrower of legal age.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed rate. Revolving term. Minimum age requirement is 12 years old (with qualified co-borrower of legal age). No credit report required. |
Sources (3)
All captured Oct 5, 2026
Who can join Circle 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This may be incomplete or out of date, so check with the credit union before you apply.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 in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Employers and groups
- Individuals who work in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Military, government and schools
- Individuals who attend school in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Family and household
- Eligible immediate family and household members of a Circle FCU member may qualify for membership regardless of employment or residency.
Other ways
- Individuals who worship in Berrien or Cass County in Michigan or St. Joseph or Elkhart County in Indiana are eligible for membership.
Cost to join
- Membership begins by establishing ownership with a Share Savings Account.
Membership information collected October 5, 2026.