Credit union · NCUA insured
Congressional Federal Credit Union Credit Card Rates
Top CarrotCongressional Federal Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Congressional Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Congressional Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Congressional Federal Credit Union
11.90%APR
- Up to
- —
Visa Platinum Rate Saver
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
Congressional Federal Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Congressional 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.
Thrive by Congressional Federal Credit Union
No annual fee, no penalty APR, no cash advance fee, no balance transfer fee. First late payment fee $5, second late payment fee $15. Account review after 2 years. Foreign transaction fee 2.00% of each transaction in U.S. dollars.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% APR introductory rate for 6 billing cycles. |
| Ongoing | 13.99% | None | Fixed APR after the introductory period. |
| Intro, 12 months | 3.99% | None | 3.99% APR introductory rate for 12 billing cycles. No balance transfer fee. |
Sources (3)
- congressionalfcu.org/loans/credit-cards
- congressionalfcu.org/loans/credit-cards/thrive
- congressionalfcu.org/loans/cre…a-signature-cash-rewards
All captured Oct 22, 2026
Visa Platinum Rate Saver
No annual fee, no cash advance fee, no penalty APR. Promotional-rate convenience check transactions may incur a balance transfer fee. Foreign transaction fee 2.00% of each transaction in U.S. dollars. Late payment fee up to $25.00. Credit lines from $3,000 to $50,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% APR introductory rate for 6 billing cycles. |
| Ongoing | 11.90%–18.00% | None | Ongoing variable APR after introductory period based on prime rate and creditworthiness. (Note: product page p37 footnote 1 states ongoing APR as 11.65% to 18.00%, while table p32 row 11 states 11.90% to 18.00%). |
| Ongoing | 11.90% | None | Monthly payment: 3% of balance, $15 minimum. Credit lines from $3,000 to $50,000. Rates effective as of 10/19/2026. Variable APR as low as 11.90%. |
| Intro, 12 months | 3.99% | None | 3.99% APR introductory rate for 12 billing cycles. No balance transfer fee, except promotional-rate convenience check transactions may incur a fee. |
Visa Signature Cash Rewards
No annual fee, no cash advance fee, no penalty APR. Promotional-rate convenience check transactions may incur a balance transfer fee. Foreign transaction fee 2.00% of each transaction in U.S. dollars. Late payment fee up to $25.00. Credit lines from $5,000 to $50,000. Earn 1% cash back on net purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% APR introductory rate for 6 billing cycles. |
| Ongoing | 15.90%–18.00% | None | Ongoing variable APR after introductory period based on prime rate and creditworthiness. (Note: product page p39 footnote 4 states ongoing APR as 15.65% to 18.00%, while table p32 row 11 states 15.90% to 18.00%). |
| Ongoing | 15.90% | None | Monthly payment: 3% of balance, $15 minimum. Credit lines from $5,000 to $50,000. Rates effective as of 10/19/2026. Variable APR as low as 15.90%. |
| Intro, 12 months | 3.99% | None | 3.99% APR introductory rate for 12 billing cycles. No balance transfer fee, except promotional-rate convenience check transactions may incur a fee. |
Sources (3)
- congressionalfcu.org/loans/credit-cards
- congressionalfcu.org/loans/loan-rates
- congressionalfcu.org/loans/cre…a-signature-cash-rewards
All captured Oct 22, 2026
Visa Signature Premier Rewards
No annual fee, no foreign transaction fee, no cash advance fee, no penalty APR. Promotional-rate convenience check transactions may incur a balance transfer fee. Late payment fee up to $25.00. Credit lines from $5,000 to $50,000. Earn 1.25 points per $1 on every transaction.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% APR introductory rate for 6 billing cycles. |
| Ongoing | 16.90%–18.00% | None | Ongoing variable APR after the introductory period based on prime rate and creditworthiness. (Note: product page p40 footnote 3 states ongoing APR as 17.50% to 18.00%, while table p32 row 11 states 16.90% to 18.00%). |
| Ongoing | 16.90% | None | Monthly payment: 3% of balance, $15 minimum. Credit lines from $5,000 to $50,000. Rates effective as of 10/19/2026. Variable APR as low as 16.90%. |
| Intro, 12 months | 3.99% | None | 3.99% APR introductory rate for 12 billing cycles. No balance transfer fee, except promotional-rate convenience check transactions may incur a fee. |
Sources (3)
- congressionalfcu.org/loans/credit-cards
- congressionalfcu.org/loans/loan-rates
- congressionalfcu.org/loans/cre…ignature-premier-rewards
All captured Oct 22, 2026
Who can join Congressional Federal Credit Union
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