Credit union · NCUA insured
Emporia State Federal Credit Union Credit Card Rates
Emporia State Federal Credit Union credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Emporia State Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Emporia, KS, where Emporia State Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Emporia State Federal Credit Union
12.49%APR
Platinum Visa
Lowest rate
CU of Emporia
11.99%APR
Emporia State Federal Credit Union credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Emporia State 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.
Classic uChoose Rewards Visa
Reserved for members with not so perfect credit. Non-variable rate for all purchases. Earn uChoose Rewards Points on Purchases. Rates, terms and conditions subject to change and may be based on creditworthiness and qualifications. All loans subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Non-variable rate as low as 17.99% APR for all purchases; NO Balance Transfer Fee |
Sources (1)
- esfcu.com/Loans/Loans/Credit-Cards · captured Oct 7, 2026
Platinum Cash Back Visa
Non-variable rate for all purchases. Earn uChoose Rewards Points on Purchases for 1% cash back OR for merchandise & gift cards. Rates, terms and conditions subject to change and may be based on creditworthiness and qualifications. All loans subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.99% | None | Non-variable rate as low as 15.99% APR for all purchases; NO Balance Transfer Fee |
Sources (1)
- esfcu.com/Loans/Loans/Credit-Cards · captured Oct 7, 2026
Platinum Visa
Non-variable rate for all purchases. Does not earn uChoose Reward Points. Rates, terms and conditions subject to change and may be based on creditworthiness and qualifications. All loans subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49% | None | Non-variable rate as low as 12.49% APR for all purchases; NO Balance Transfer Fee |
Sources (1)
- esfcu.com/Loans/Loans/Credit-Cards · captured Oct 7, 2026
Platinum uChoose Rewards Visa
Non-variable rate for all purchases. Earn uChoose Rewards Points on Purchases. Rates, terms and conditions subject to change and may be based on creditworthiness and qualifications. All loans subject to approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99% | None | Non-variable rate as low as 14.99% APR for all purchases; NO Balance Transfer Fee |
Sources (1)
- esfcu.com/Loans/Loans/Credit-Cards · captured Oct 7, 2026
Who can join Emporia State Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.