Credit union · NCUA insured
Discovery Federal Credit Union Credit Card Rates
Top CarrotDiscovery Federal Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Discovery Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Reading, PA, where Discovery Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Discovery Federal Credit Union
8.99%APR
- Up to
- —
Visa Platinum
Lowest rate
Utilities Employees Credit Union
8.75%APR
- Up to
- 18.00% APR
3rd-lowest rate
Pagoda Federal Credit Union
9.90%APR
- Up to
- —
Discovery Federal Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Discovery 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
Maximum credit limit up to $15,000. Membership in Discovery FCU required. Non-variable regular APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99% | None | Standard non-variable APR for purchases. |
| Ongoing | 12.99% | None | Standard non-variable APR for cash advances. No cash advance fee. |
| Intro, 6 months | 2.99% | None | Introductory balance transfer rate for the first 6 months from the date of transfer, after which regular non-variable 12.99% APR applies. A 3% balance transfer fee applies. |
Visa Platinum
Maximum credit limit up to $20,000. Membership in Discovery FCU required. Non-variable regular APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | Standard non-variable APR for purchases. |
| Ongoing | 8.99% | None | Standard non-variable APR for cash advances. No cash advance fee. |
| Intro, 6 months | 2.99% | None | Introductory balance transfer rate for the first 6 months from the date of transfer, after which regular non-variable 8.99% APR applies. A 3% balance transfer fee applies. |
Who can join Discovery Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- People across the U.S. are eligible for membership through a complimentary membership to association partner Community Impact Fund (CIF).
Employers and groups
- Individuals who are members from Select Employer Groups are eligible for membership.
Family and household
- Individuals who have an immediate family or household member who is already a member are eligible to join.
Membership information collected October 5, 2026.