Credit union · NCUA insured
First Commonwealth Federal Credit Union Credit Card Rates
First Commonwealth Federal Credit Union credit cards start at 10.74% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How First Commonwealth Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where First Commonwealth Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Commonwealth Federal Credit Union
10.74%APR
- Up to
- 17.00% APR
Platinum
Lowest rate
Allentown Federal Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
AmericanBank
9.99%APR
- Up to
- —
First Commonwealth Federal Credit Union credit card score
80
Credit card score
Higher than 53% of U.S. banks and credit unions
- Purchase APRPurchase APR10.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Commonwealth 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.
Platinum
Credit union membership required. All loans subject to approval. APR is equal to Prime Rate plus a margin of 3.74%, 6% or 10%, depending on creditworthiness, and will never be greater than 18%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.74% | None | Rate is variable (Prime Rate plus margin of 3.74%, 6% or 10%, max 18%). Subject to creditworthiness. No annual fee, no balance transfer fees, no cash advance fees, no penalty APR. |
Sources (3)
- firstcomcu.org/creditcards/platinum.html
- firstcomcu.org/creditcards/compare.html
- firstcomcu.org/rates/loans.html
All captured Oct 6, 2026
Platinum Rewards
Credit union membership required. All loans subject to approval. APR is equal to Prime Rate plus a margin of 5% and will never be greater than 18%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | Rate is variable (Prime Rate plus 5% margin, max 18%). Subject to creditworthiness. No annual fee, no balance transfer fees, no cash advance fees, no penalty APR. Earn 1 point per dollar spent. |
Sources (3)
- firstcomcu.org/creditcards/rewards.html
- firstcomcu.org/creditcards/compare.html
- firstcomcu.org/rates/loans.html
All captured Oct 6, 2026
Secured
Credit union membership required. All loans subject to approval. No credit check required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.74% | None | No annual fee, no balance transfer fees, no cash advance fees, no penalty APR. No credit check required. |
Sources (3)
- firstcomcu.org/creditcards/compare.html
- firstcomcu.org/creditcards/secured.html
- firstcomcu.org/rates/loans.html
All captured Oct 6, 2026
Signature
Credit union membership required. All loans subject to approval. APR is equal to Prime Rate plus a margin of 11% and will never be greater than 18%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Rate is variable (Prime Rate plus 11% margin, max 18%). Subject to creditworthiness. No annual fee, no balance transfer fees, no cash advance fees, no penalty APR. Earn unlimited 1.5% cash back on every purchase. |
Sources (3)
- firstcomcu.org/creditcards/compare.html
- firstcomcu.org/creditcards/signature.html
- firstcomcu.org/rates/loans.html
All captured Oct 6, 2026
Who can join First Commonwealth 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
- Persons who live, work, worship, or attend school in designated service areas in parts of Pennsylvania and New Jersey are eligible for membership.
Employers and groups
- Employees of participating Employer Partners are eligible for membership.
Family and household
- Immediate family members of an employee of a participating Employer Partner are eligible for membership.
- Immediate family members of a current member are eligible for membership.
- Persons living in the same residence of an existing member and maintaining a single economic unit are eligible for membership.
Other ways
- Consumers who live in Pennsylvania or New Jersey and belong to or join the American Consumer Council (ACC) are eligible for membership.
Cost to join
- An initial $5 deposit into a savings account is required to establish membership.
Membership information collected October 5, 2026.