Credit union · NCUA insured
EP Federal Credit Union Credit Card Rates
EP Federal Credit Union credit cards start at 9.25% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How EP Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where EP Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
EP Federal Credit Union
9.25%APR
- Up to
- 18.00% APR
epfcu SMART REWARDS Mastercard
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
EP Federal Credit Union credit card score
88
Credit card score
Higher than 81% of U.S. banks and credit unions
- Purchase APRPurchase APR9.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where EP 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.
Secured Mastercard
Applies to purchases, balance transfers, and cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | Applies to purchases, balance transfers, and cash advances. |
Sources (1)
- epfcu.org/loans/credit-card · captured Oct 15, 2026
epfcu SMART REWARDS Mastercard
Standard variable APR varies with the market based on the Prime Rate. Approval and rate depend on creditworthiness and other qualifications. Business Mastercard does not qualify for promotion. Limited time offer.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.25%–18.00% | None | Standard variable APR for purchases paying interest. Varies with the market based on the Prime Rate. |
| Intro, 12 months | 4.99% | None | Introductory APR for 12 months on balance transfers. Variable APR thereafter between 10.00% – 18.00%. No balance transfer fees. Available for new cardholders only for a limited time. |
Sources (1)
- epfcu.org/loans/credit-card · captured Oct 15, 2026
Who can join EP Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.