Credit union · NCUA insured
Direct Federal Credit Union Credit Card Rates
Direct Federal Credit Union credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Direct Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Boston, MA-NH, where Direct Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Direct Federal Credit Union
12.74%APR
- Up to
- 17.74% APR
Visa® Credit Card
Lowest rate
Albright Credit Union
7.99%APR
- Up to
- 17.99% APR
2nd-lowest rate
Beverly Municipal Federal Credit Union
7.99%APR
- Up to
- —
Direct Federal Credit Union credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Direct 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® Credit Card
Credit lines up to $25,000 based on creditworthiness. No annual fee, no balance transfer fees, no cash advance fees, and no over limit fees. 1% Cash Back on purchases (minimum $50 rebate required for redemption, redeemed every November).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory offer of 0.00% APR for the first 6 monthly billing statements starting on account opening date. Available for introductory balance transfers only. Cannot be used to pay down an existing Direct Federal loan balance. |
| Ongoing | 8.74% | None | Variable rate of Prime Rate + 1.74% (currently 8.74% APR) for introductory transferred balances after 6-month promo period until transferred balance is paid off. Rate adjusted on first day of each billing month by adding 1.74% margin to The Wall Street Journal Prime Rate as published on the last business day of preceding calendar month. |
| Ongoing | 18.00% | None | Balance transfers made after the introductory promo period are calculated the same as Cash Advance rate (18.00% APR). |
| Ongoing | 12.74%–18.00% | None | Variable APR based on creditworthiness for purchases, adjusted on first day of each billing cycle by adding 5.74%, 8.74%, or 10.74% margin to The Wall Street Journal Prime Rate as published on the last business day of preceding calendar month. Maximum rate is 18.00% APR. |
Who can join Direct 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 (or regularly conducts business in), worships, or attends school in Norfolk or Middlesex Counties.
Family and household
- Membership is open to individuals who have an immediate family member fulfilling the geographic eligibility requirements.
Membership information collected October 5, 2026.