Credit union · NCUA insured
Empeople Credit Union Credit Card Rates
Top CarrotEmpeople Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Empeople Credit Union’s credit card rates compare
Compared with banks and credit unions near Waterloo, IA, where Empeople Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Empeople Credit Union
11.90%APR
- Up to
- 18.24% APR
Empeople Platinum Visa
Lowest rate
CFCCU
9.00%APR
- Up to
- —
3rd-lowest rate
Nicolet National Bank
11.90%APR
- Up to
- 23.90% APR
Empeople 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 Empeople 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.
Empeople Platinum Plus Visa
Subject to credit approval. Credit limits starting at $500. Variable APR based on the Prime Rate. Balance computation method: Average daily balance (excluding new purchases). Grace period of 25 days for purchases (0 days for cash advances). Balance transfer fee: 2% (min $10, max $75). Foreign transaction fee: $0. Earns 1 point per $1 spent. Sign-on bonus: 10,000 points after minimum of 5 transactions totaling $500 or more in spend within the first 90 days. Penalty APR of 17.90% applies if late 60 days or more (or 2+ billing cycles past due).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–17.99% | None | Annual Percentage Rate (APR) for Purchases: 12.65%, 13.65%, 14.65%, 17.65%, or 17.99% depending on your credit history. Variable based on the Prime Rate. $0 annual fee. |
| Ongoing | 17.90% | None | APR for Cash Advances: 17.90%. Transaction fee: 2% of the amount of each cash advance ($10.00 min / $75.00 max). 0 days grace period. |
Sources (3)
- empeople.com/wp-content/upload…l-2026-Prime-Changes.pdf
- empeople.com/bank/loans/visa-credit-cards
- empeople.com/platinum-plus-visa
All captured Oct 6, 2026
Empeople Platinum Visa
Subject to credit approval. Credit limits starting at $500. Variable APR based on the Prime Rate. Balance computation method: Average daily balance (excluding new purchases). Grace period of 25 days for purchases (0 days for cash advances). Balance transfer fee: 2% (min $10, max $75). Foreign transaction fee: $0. Sign-on bonus: $50 statement credit after minimum of 5 transactions totaling $500 or more in spend within the first 90 days. Penalty APR of 17.90% applies if late 60 days or more (or 2+ billing cycles past due).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.65%–17.99% | None | Annual Percentage Rate (APR) for Purchases: 11.65%, 12.65%, 13.65%, 16.65%, or 17.99% depending on your credit history. Variable based on the Prime Rate. $0 annual fee. (Note: Comparison table on page p75 mentions 13.40% – 17.99%). |
| Ongoing | 17.90% | None | APR for Cash Advances: 17.90%. Transaction fee: 2% of the amount of each cash advance ($10.00 min / $75.00 max). 0 days grace period. |
Sources (3)
- empeople.com/wp-content/upload…l-2026-Prime-Changes.pdf
- empeople.com/bank/loans/visa-credit-cards
- empeople.com/platinum-visa
All captured Oct 6, 2026
Empeople Signature Visa
Subject to credit approval. Credit limits starting at $5,000. Variable APR based on the Prime Rate. Balance computation method: Average daily balance (excluding new purchases). Grace period of 25 days for purchases (0 days for cash advances). Balance transfer fee: 2% (min $10, max $75). Foreign transaction fee: $0. Earns 1.5% cash back on every purchase. Sign-on bonus: $200 statement credit after minimum of 5 transactions totaling $500 or more in spend within the first 90 days. Penalty APR of 17.90% applies if late 60 days or more (or 2+ billing cycles past due).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00%–17.99% | None | Annual Percentage Rate (APR) for Purchases: 15.00%, 16.00%, 17.00%, or 17.99% depending on your credit history. Variable based on the Prime Rate. $0 annual fee. |
| Ongoing | 17.90% | None | APR for Cash Advances: 17.90%. Transaction fee: 2% of the amount of each cash advance ($10.00 min / $75.00 max). 0 days grace period. |
Sources (3)
- empeople.com/wp-content/upload…l-2026-Prime-Changes.pdf
- empeople.com/bank/loans/visa-credit-cards
- empeople.com/signature-visa
All captured Oct 6, 2026
Who can join Empeople Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of select employer groups and Deere dealerships throughout the country are eligible for membership.
Other ways
- Membership eligibility is available based on job, location, or family members.
Membership information collected October 5, 2026.