Credit union · NCUA insured
Family Security Credit Union Credit Card Rates
Family Security Credit Union credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Family Security Credit Union’s credit card rates compare
Compared with banks and credit unions near Decatur, AL, where Family Security Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Family Security Credit Union
12.40%APR
- Up to
- —
Visa Platinum
Lowest rate
Nucor Employee's Credit Union
8.75%APR
- Up to
- —
2nd-lowest rate
Alabama Credit Union
8.90%APR
- Up to
- 12.90% APR
Family Security Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Family Security 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.
Student Visa Card
For high school students who want to begin building credit history. Credit limits starting at $300. Co-signer required for underage applicants. Every applicant receives credit counseling. No annual fees. 25-day grace period on purchases. Subject to credit approval; rates based on credit history evaluation.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | Rates as low as 12.40% APR. Credit limit starts at $300. Co-signer required for underage applicants. Subject to credit approval; rates based on evaluation of credit history. |
Sources (1)
- myfscu.com/credit-cards · captured Oct 7, 2026
Visa Platinum
No annual fees. 25-day grace period on purchases. Subject to credit approval; rates are based on an evaluation of credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | Rates as low as 12.40% APR. Subject to credit approval; rates based on evaluation of credit history. |
Sources (1)
- myfscu.com/credit-cards · captured Oct 7, 2026
Visa Platinum Plus Rewards
No annual fees. 25-day grace period on purchases. Earn points for merchandise or travel. Subject to credit approval; rates are based on an evaluation of credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40% | None | Rates as low as 14.40% APR. Subject to credit approval; rates based on evaluation of credit history. |
Sources (1)
- myfscu.com/credit-cards · captured Oct 7, 2026
Visa Signature Cash Rewards
Credit limits starting at $5,000. No annual fees. 25-day grace period on purchases. Subject to credit approval; rates are based on an evaluation of credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.40% | None | Rates as low as 16.40% APR. Minimum credit limit $5,000. Subject to credit approval; rates based on evaluation of credit history. |
Sources (1)
- myfscu.com/credit-cards · captured Oct 7, 2026
Who can join Family Security 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 and businesses who live, work, worship, attend school, or operate in the counties served across Alabama are eligible for membership.
Employers and groups
- Employees and retirees of Ruby Tuesday, Inc. and the Compass Group family of companies, as well as organizations of such persons, are eligible for membership.
Family and household
- Families of members are eligible for membership.
Other ways
- Residents of Alabama, Mississippi, Tennessee, Florida, or Georgia are eligible for membership through free membership in the Alabama Consumer Council (ACC).
Membership information collected October 4, 2026.