Credit union · NCUA insured
Eastern Panhandle Federal Credit Union Credit Card Rates
Eastern Panhandle Federal Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Eastern Panhandle Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Hagerstown, MD-WV, where Eastern Panhandle Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Eastern Panhandle Federal Credit Union
11.90%APR
- Up to
- —
Visa Platinum Credit Card
Lowest rate
167th TFR Federal Credit Union
7.90%APR
- Up to
- 11.90% APR
3rd-lowest rate
Bayer Heritage Federal Credit Union
12.75%APR
- Up to
- —
Eastern Panhandle Federal Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Eastern Panhandle 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 Platinum Credit Card
Rates, terms, and other limits are based upon Beacon Score. For joint borrowers, the highest Beacon Score of the two borrowers is used to set the interest rate. If a Cosignor is required, the score of the borrower determines rate and limits. Members may apply for a higher limit up to the amount of funds on deposit in a special card security account, not to exceed $50,000. Bankruptcy Reaffirmation Reward: Exception granted by an upgrade of one credit score category for rate for two years.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | As low as 8.9% APR promotional rate. Get pre-approved today. |
| Ongoing | 11.90% | None | Tier A: Beacon Score 700 and above. Debt/Income Ratio limit: 43%. Unsecured Debt Ratio limit: 40%. Maximum limit $10,000.00 (or up to $50,000 on deposit in special card security account). |
| Ongoing | 12.90% | None | Tier B: Beacon Score 660-699. Debt/Income Ratio limit: 43%. Unsecured Debt Ratio limit: 40%. Maximum limit $10,000.00 (or up to $50,000 on deposit in special card security account). |
| Ongoing | 15.90% | None | Tier C: Beacon Score 630-659. Debt/Income Ratio limit: 40%. Unsecured Debt Ratio limit: 38%. Maximum limit $5,000.00 (or up to $50,000 on deposit in special card security account). |
| Ongoing | 16.90% | None | Tier D: Beacon Score 629 & Less / Share Secured. Debt/Income Ratio limit: 30%. Unsecured Debt Ratio limit: 30%. Maximum limit $1,000.00 / Share Secured (or up to $50,000 on deposit in special card security account). |
Who can join Eastern Panhandle 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
- Individuals who live, work, worship, or attend school in Berkeley, Jefferson, and Morgan Counties of West Virginia are eligible for membership.
Other ways
- Businesses and legal entities are eligible for membership.
Cost to join
- A deposit of $5.00 (one share) in a Membership Share Savings Account is required and must be maintained at all times.
- A one-time membership fee of $1 is required to join.
Membership information collected October 4, 2026.