Credit union · NCUA insured
Emergency Responders Credit Union Credit Card Rates
Emergency Responders Credit Union credit card rates start at 10.50% APR. Rates checked October 22, 2026.
How Emergency Responders Credit Union’s credit card rates compare
Compared with banks and credit unions near Winston-Salem, NC, where Emergency Responders Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Emergency Responders Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Summit Credit Union
8.95%APR
- Up to
- 16.95% APR
2nd-lowest rate
State Employees' Credit Union
11.50%APR
- Up to
- 14.50% APR
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
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.00% | None | Introductory rate of 3% for the first six months. |
| Ongoing | 10.50% | None | Rate moves to 10.5% after the 6-month introductory period. |
Who can join Emergency Responders Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Emergency Responders Credit Union are eligible for membership.
Military, government and schools
- Employees and volunteers of Emergency First Responder Agencies (fire service, emergency medical service, emergency management, law enforcement, and hazardous materials) in North Carolina are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, including step and adoptive relations) and household members living in the same residence maintaining a single economic unit of a credit union member are eligible for membership.
Other ways
- Organizations composed primarily of persons within the field of membership of Emergency Responders Credit Union are eligible for membership.
- Retirees of eligible first responder groups and Emergency Responders Credit Union are eligible for membership.
Cost to join
- Establishing membership requires purchasing one credit union share with a $25.00 refundable deposit to a share (savings) account.
Membership information collected October 4, 2026.