Credit union · NCUA insured
EdiFi Credit Union Credit Card Rates
EdiFi Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How EdiFi Credit Union’s credit card rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where EdiFi Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
EdiFi Credit Union
9.99%APR
- Up to
- —
Visa® Rewards Card
Lowest rate
APG Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Forge Credit Union
7.99%APR
- Up to
- 17.99% APR
EdiFi 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 EdiFi 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® Rewards Card
Fixed-rate card. No balance transfer fee. Maximum borrowed up to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Fixed rate. Borrow up to $25,000. No annual fee. No balance transfer fee. |
Sources (3)
All captured Oct 4, 2026
Who can join EdiFi 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This may be incomplete or out of date, so check with the credit union before you apply.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 or work in Atlantic, Burlington, Ocean, or Mercer counties in New Jersey are eligible for membership.
Employers and groups
- Employees of approved companies are eligible for membership.
- Employees of select hospitals or health-related employers are eligible for membership.
Military, government and schools
- Public school employees in Atlantic, Burlington, Cape May, and Gloucester counties, or employees of select colleges and specialty schools, are eligible for membership.
- Members of the NJEA (New Jersey Educational Association) are eligible for membership.
- State employees or individuals working at a select county or municipality are eligible for membership.
1 more way to join
Family and household
- Immediate family members (including spouse, domestic partner, children, siblings, parents, grandparents, and grandchildren) of a current EdiFi member or employee are eligible for membership.
Cost to join
- An initial deposit of $5.00 is required.
Membership information collected October 5, 2026.