Credit union · NCUA insured
First Basin Credit Union Credit Card Rates
First Basin Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Basin Credit Union’s credit card rates compare
Compared with banks and credit unions near Odessa, TX, where First Basin Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Basin Credit Union
9.90%APR
FBCU VISA Premier
Lowest rate
Complex Community Federal Credit Union
6.90%APR
3rd-lowest rate
West Texas CU
10.50%APR
First Basin Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Basin 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.
FBCU VISA Classic
Qualifying members; First Basin membership required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | — |
Sources (2)
All captured Oct 7, 2026
FBCU VISA Premier
Qualifying members needing a higher line of credit; First Basin membership required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | — |
Sources (2)
All captured Oct 7, 2026
Who can join First Basin 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This may be incomplete or out of date, so check with the credit union before you apply.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 who live, work, worship, or go to school in any of 17 specified West Texas counties are eligible for membership.
Cost to join
- A refundable deposit of $25 into a savings account is required for membership.
Membership information collected October 5, 2026.