Credit union · NCUA insured
CPS IBEW FCU Credit Card Rates
Top CarrotCPS IBEW FCU credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How CPS IBEW FCU’s credit card rates compare
Compared with banks and credit unions near San Antonio, TX, where CPS IBEW FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
CPS IBEW FCU
8.90%APR
Mastercard
2nd-lowest rate
Southwest Research Center Federal Credit Union
8.90%APR
3rd-lowest rate
Pinnacle Bank
9.99%APR
CPS IBEW FCU 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 CPS IBEW FCU 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.
Mastercard
Available to CPS IBEW Federal Credit Union members (serving CPS Energy employees and family members; Regular Share Account required with $5 minimum deposit). Rate based on creditworthiness and underwriting factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Variable APR as low as 8.9% based on creditworthiness. Features a 25-day grace period and no annual fee. |
| Intro, 6 months | 2.90% | None | Introductory balance transfer rate of 2.9% APR for 6 months. A 3% balance transfer fee applies. |
Sources (3)
All captured Oct 6, 2026
Who can join CPS IBEW FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of CPS Energy are eligible to join the credit union.
Family and household
- Immediate and extended family members of credit union members are eligible to join.
Cost to join
- Opening an account requires a $5 minimum share deposit and two valid forms of identification.
Membership information collected October 5, 2026.