Credit union · NCUA insured
Firelands Federal Credit Union Credit Card Rates
Top CarrotFirelands Federal Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Firelands Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Norwalk, OH, where Firelands Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Firelands Federal Credit Union
11.90%APR
- Up to
- 18.00% APR
Visa Platinum
Lowest rate
Directions Credit Union
9.99%APR
- Up to
- —
3rd-lowest rate
Sutton Bank
12.50%APR
- Up to
- —
Firelands Federal 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 Firelands 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.
Firelands FCU Credit Card
Offer valid for applicants with a 660 or higher credit score. Subject to credit approval. Pre-approved offer expires November 30, 2025. Offer not applicable to current credit card members. Balance transfer requests from other Firelands FCU accounts or loans are not processed.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0% APR for 12 months on purchases completed in the first 90 days. Offer valid for those with a 660 and higher credit score. Pre-approved offer expires on November 30, 2025. |
| Ongoing | 13.40%–18.00% | None | After the promotional period ends, your APR will be 13.40% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
Sources (1)
- firelandsfcu.org/balance-transfer · captured Oct 16, 2026
Visa Platinum
Primary applicant must maintain a Firelands Federal Credit Union primary share account with the required minimum balance. Rate is variable (Prime + 4.90% to 12.90%, max 18.00%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.65%–18.00% | None | Variable APR based on creditworthiness (Prime Rate + 4.9% to 12.9%, maximum APR 18.00%). Applies to purchases, balance transfers, and cash advances. No annual fee. |
Sources (1)
- firelandsfcu.org/wp-content/up…Agreement-Disclosure.pdf · captured Oct 16, 2026
Visa Platinum with Rewards
Primary applicant must maintain a Firelands Federal Credit Union primary share account with the required minimum balance. Rate is variable (Prime + 5.90% to 13.90%, max 18.00%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–18.00% | None | Variable APR based on creditworthiness (Prime Rate + 5.9% to 13.9%, maximum APR 18.00%). Applies to purchases, balance transfers, and cash advances. No annual fee. |
Sources (1)
- firelandsfcu.org/wp-content/up…Agreement-Disclosure.pdf · captured Oct 16, 2026
Visa Secured
Non-variable APR. $36 annual fee. Secured by shares/deposits.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.99% | None | Non-variable APR of 15.99% applies to purchases, cash advances, and balance transfers. |
Sources (1)
- firelandsfcu.org/wp-content/up…Agreement-Disclosure.pdf · captured Oct 6, 2026
Visa Signature with Premium Rewards
Primary applicant must maintain a Firelands Federal Credit Union primary share account with the required minimum balance. Rate is variable (Prime + 8.40%, max 18.00%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.15%–18.00% | None | Variable APR based on creditworthiness (Prime Rate + 8.4%, maximum APR 18.00%). Applies to purchases, balance transfers, and cash advances. No annual fee. |
Sources (1)
- firelandsfcu.org/wp-content/up…Agreement-Disclosure.pdf · captured Oct 16, 2026
Who can join Firelands Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, volunteers, or attends school in Huron, Erie, or Crawford counties is eligible to join Firelands FCU.
Family and household
- Individuals with family members who are existing Firelands Federal Credit Union members may qualify for membership.
Cost to join
- Membership requires opening a Share Savings Account with a minimum deposit of $5.
Membership information collected October 5, 2026.