Credit union · NCUA insured
Directions Credit Union Credit Card Rates
Top CarrotDirections Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Directions Credit Union’s credit card rates compare
Compared with banks and credit unions near Toledo, OH, where Directions Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Directions Credit Union
9.99%APR
- Up to
- —
VISA Rewards
Lowest rate
Glass City Federal Credit Union
6.99%APR
- Up to
- 17.88% APR
2nd-lowest rate
Toledo Fire Fighters Federal Credit Union
7.99%APR
- Up to
- —
Directions Credit Union 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 Directions 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 Cash Back
No annual fee, no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Special intro offer for first 6 months. |
| Ongoing | 11.99% | None | Rate as low as 11.99%. |
Sources (3)
- directionscu.org/visa-cash-back
- directionscu.org/credit-card-rates
- directionscu.org/personal/spend/visa-credit-cards
All captured Oct 7, 2026
VISA Classic
No annual fee, no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Special intro offer for first 6 months. |
| Ongoing | 7.99% | None | Rate as low as 7.99%. |
Sources (2)
All captured Oct 7, 2026
VISA Rewards
No annual fee, no balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Special intro offer for first 6 months. |
| Ongoing | 9.99% | None | Rate as low as 9.99%. |
Sources (2)
All captured Oct 7, 2026
Who can join Directions Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in specified counties in Ohio (Ashland, Crawford, Erie, Fulton, Huron, Knox, Lorain, Lucas, Medina, Morrow, Ottawa, Richland, Sandusky, Seneca, Tuscarawas, Wayne, Wood) or lower Michigan (Monroe, Lenawee) are eligible for membership.
Family and household
- Family members (grandparents, parents, spouse, siblings, children, grandchildren) and household members of eligible members are eligible to join.
Membership information collected October 5, 2026.