Credit union · NCUA insured
First Alliance Credit Union Credit Card Rates
First Alliance Credit Union credit cards start at 10.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Alliance Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, MN, where First Alliance Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Alliance Credit Union
10.95%APR
- Up to
- —
Platinum Credit Card
Lowest rate
Accentra Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
Wings Credit Union
10.74%APR
- Up to
- 21.74% APR
First Alliance Credit Union credit card score
78
Credit card score
Higher than 47% of U.S. banks and credit unions
- Purchase APRPurchase APR10.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Alliance 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 Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.74% | None | Rate applies to purchases, cash advances, and balance transfers. APR varies with the prime rate published in the Wall Street Journal. |
Sources (1)
- firstalliancecu.com/credit-cards · captured Oct 7, 2026
Platinum Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.70% | None | Rate applies to purchases, cash advances, and balance transfers. APR varies with the prime rate published in the Wall Street Journal. |
Sources (1)
- firstalliancecu.com/credit-cards · captured Oct 7, 2026
Rewards Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74%–18.00% | None | Rate applies to purchases, cash advances, and balance transfers. APR varies with the market based on the Prime Rate. |
| Intro, 6 months | 0.00% | None | Introductory 0% APR is good for the first 6 statement closing dates for balance transfers made within 60 days of account opening. Applies to external balance transfers only; existing First Alliance credit card balances excluded. After promo period, APR will be 12.99% to 18.00% based on credit rating. |
Sources (1)
- firstalliancecu.com/credit-cards · captured Oct 7, 2026
Who can join First Alliance Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Open to anyone who lives, works, does regular business, worships, attends school, or owns a business/entity in 14 southeast Minnesota counties.
Family and household
- Family members of existing members are eligible to join regardless of where they reside.
Other ways
- Open to those who donate a minimum of $10 to the First Alliance Credit Union Foundation.
Cost to join
- A share deposit of $5 is required to open an account.
Membership information collected October 4, 2026.