Credit union · NCUA insured
COPFCU Credit Card Rates
COPFCU credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How COPFCU’s credit card rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where COPFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
COPFCU
9.99%APR
- Up to
- 13.99% APR
Visa Platinum Rewards
Lowest rate
Whitewater Community Credit Union
7.90%APR
- Up to
- 9.90% APR
2nd-lowest rate
Christian Family Credit Union
8.90%APR
- Up to
- —
COPFCU credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where COPFCU 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 Credit Builder
Must qualify for COPFCU membership to complete application. Secured by funds in savings or other deposit account, which continue to earn dividends. Standard credit limit up to $5,000 (may exceed $5,000 with approval if sufficient secured funds are available). Balance transfer fee is 3% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99% | None | Non-variable purchase rate. Standard credit limit up to $5,000 (may exceed with approval). Secured by funds in a savings or other deposit account. |
| Ongoing | 14.99% | None | Non-variable balance transfer rate. Balance transfer fee is 3% ($5 minimum). Standard credit limit up to $5,000 (may exceed with approval). Secured by funds in a savings or other deposit account. |
Sources (3)
All captured Oct 6, 2026
Visa Platinum Rewards
Must qualify for COPFCU membership to complete application. Zero liability and fraud monitoring included. Payments due on the 28th of each month. Credit limit up to $20,000. Balance transfer fee is 3% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99%–13.99% | None | Non-variable purchase rate. Rates vary based on credit profile (from 9.99% to 13.99% APR). Maximum credit limit up to $20,000. |
| Ongoing | 9.99% | None | Non-variable balance transfer rate from 9.99% APR. Balance transfer fee is 3% ($5 minimum). Maximum credit limit up to $20,000. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR for 12 months on balance transfers completed within 60 days of account opening. Balance transfer fee is 3% ($5 minimum). |
Sources (3)
All captured Oct 6, 2026
Visa Student Platinum Rewards
Designed for young adults age 18–21 looking to establish positive credit. Must qualify for COPFCU membership to complete application. Standard credit limit up to $1,000 (may exceed standard limit with approval). Balance transfer fee is 3% ($5 minimum).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Non-variable purchase rate. Standard credit limit up to $1,000 (may exceed standard limit with approval). For young adults age 18–21. |
| Ongoing | 17.99% | None | Non-variable balance transfer rate. Balance transfer fee is 3% ($5 minimum). Standard credit limit up to $1,000 (may exceed standard limit with approval). For young adults age 18–21. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR for 12 months on balance transfers completed within 60 days of account opening. Balance transfer fee is 3% ($5 minimum). For young adults age 18–21. |
Sources (3)
All captured Oct 6, 2026
Who can join COPFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to police, firemen, public school employees, and federal, state, and local government employees.
Family and household
- Membership is open to family members of eligible public servants and government employees.
Membership information collected October 5, 2026.