Credit union · NCUA insured
First Choice Federal Credit Union Credit Card Rates
First Choice Federal Credit Union credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Choice Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Pittsburgh, PA, where First Choice Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Choice Federal Credit Union
12.90%APR
Visa Platinum
Lowest rate
SouthWest Communities Federal Credit Union
7.00%APR
2nd-lowest rate
Pittsburgh Firefighters' Federal Credit Union
7.99%APR
First Choice Federal Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Choice 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.
Visa Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Rate is 'as low as' and can be affected by credit score; reflects a 0.50% discount for automatic payment established. |
| Ongoing | 12.90% | None | Fixed APR for purchases, balance transfers, and cash advances. Grace period on purchases is at least 25 days. |
One more rate on its site comes from an older rate sheet (2019) and isn’t shown as current.
Sources (2)
- firstchoicefcu.com/first-choic…ucts-services/loan-rates
- firstchoicefcu.com/first-choic…rvices/visa-credit-cards
All captured Oct 16, 2026
Visa Rewards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Rate is 'as low as' and can be affected by credit score; reflects a 0.50% discount for automatic payment established. |
| Ongoing | 15.90% | None | Fixed APR for purchases, balance transfers, and cash advances. Grace period on purchases is at least 25 days. |
One more rate on its site comes from an older rate sheet (2019) and isn’t shown as current.
Sources (2)
- firstchoicefcu.com/first-choic…ucts-services/loan-rates
- firstchoicefcu.com/first-choic…rvices/visa-credit-cards
All captured Oct 16, 2026
Who can join First Choice 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This may be incomplete or out of date, so check with the credit union before you apply.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, volunteers, or attends church or school in Lawrence County is eligible to join.
Employers and groups
- Employees of participating Member Companies (Select Employee Groups / SEGs), including CSX Corporation (formerly B&O Railroad), are eligible to join.
Family and household
- Relatives of current First Choice Federal Credit Union members (including children and grandchildren living outside the area) are eligible to join.
Cost to join
- Membership requires opening a Savings (Share) Account with a $10 share deposit, which is free/refundable, subject to a $10.00 early close penalty if closed within six months.
Membership information collected October 5, 2026.