Credit union · NCUA insured
CrossRoads Financial Federal Credit Union Credit Card Rates
CrossRoads Financial Federal Credit Union credit cards start at 17.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How CrossRoads Financial Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Muncie, IN, where CrossRoads Financial Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
CrossRoads Financial Federal Credit Union
17.99%APR
- Annual fee
- $25
Visa Classic
Lowest rate
First County FCU
9.90%APR
- Annual fee
- None
2nd-lowest rate
Prime Trust Financial Credit Union
9.90%APR
- Annual fee
- None
CrossRoads Financial Federal Credit Union credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR17.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CrossRoads Financial 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 Classic
Rate is based on creditworthiness and borrower qualifications.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | $25 | APR as low as 17.99% based on creditworthiness. $25 annual fee applies for the 17.99% rate. |
Sources (3)
- crossroadsfcu.org/images/pdfs/…oads_Visa_Disclosure.pdf
- crossroadsfcu.org/loans/rates
- crossroadsfcu.org/loans/visa-credit-cards.php
All captured Oct 7, 2026
Visa Preferred
Rate is based on creditworthiness and borrower qualifications.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.49% | None | APR as low as 8.49% based on creditworthiness. Annual fee is $25 only for the 17.99% rate tier (none for other tiers). |
Sources (3)
- crossroadsfcu.org/images/pdfs/…oads_Visa_Disclosure.pdf
- crossroadsfcu.org/loans/rates
- crossroadsfcu.org/loans/visa-credit-cards.php
All captured Oct 7, 2026
Who can join CrossRoads Financial 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to anyone who lives, works, worships, attends school, or volunteers in Adams, Blackford, Delaware, Jay, Randolph, or Wells County in Indiana, or Darke, Mercer, or Van Wert County in Ohio.
Family and household
- Membership is open to individuals who have an immediate family member with an account at CrossRoads.
Cost to join
- A $5 deposit into a savings account is required to secure membership and establish ownership at CrossRoads.
Membership information collected October 5, 2026.