Credit union · NCUA insured
Ferguson FCU Credit Card Rates
Ferguson FCU credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Ferguson FCU’s credit card rates compare
Compared with banks and credit unions near Jackson, MS, where Ferguson FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Ferguson FCU
11.99%APR
Mastercard Credit Card
Lowest rate
MS National Guard FCU
8.50%APR
2nd-lowest rate
Mississippi Highway Safety Patrol FCU
8.99%APR
Ferguson FCU credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ferguson FCU 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.
Mastercard Credit Card
Available to Ferguson FCU members in good standing who live, work, worship, or attend school in the Southwest Mississippi service area. No monthly or annual fees. No minimum use requirements. Rates based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99% | None | Rates as low as 11.99%. Actual rates and terms based on credit history and loan amount. |
Sources (4)
- fergusonfcu.org/credit-cards
- fergusonfcu.org/personal-credit-cards
- fergusonfcu.org/rates-fees
- fergusonfcu.org/loan-rates
All captured Oct 22, 2026
Who can join Ferguson FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in one of the 36 eligible Mississippi counties (8 of which are partial) qualify for membership.
Employers and groups
- Employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
Family and household
- Immediate family members of employees of the Georgia Pacific facility in Monticello, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members of employees of the Hood Industries facility in Silver Creek, MS are eligible to join Ferguson FCU regardless of where they live.
- Immediate family members (generally spouses, children, parents, and siblings) of current Ferguson FCU members are eligible to join.
Membership information collected October 4, 2026.