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Credit union · NCUA insured

First Community Credit Union Credit Card Rates

Top Carrot, Carrot Score 96Top Carrot

First Community Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How First Community Credit Union’s credit card rates compare

Compared with banks and credit unions near St. Louis, MO-IL, where First Community Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • Top Carrot, Carrot Score 96

    This credit union’s lowest

    First Community Credit Union

    7.90%APR

    Up to
    16.90% APR

    Visa Platinum

  • Top Carrot, Carrot Score 94

    Lowest rate

    FRB Federal Credit Union

    7.50%APR

    Up to
    —

    FRB Federal Credit Union rates

  • Top Carrot, Carrot Score 89

    3rd-lowest rate

    County Credit Union

    8.59%APR

    Up to
    —

    County Credit Union rates

Compare credit card rates near you →

First Community Credit Union credit card score

93

Credit card score

Higher than 95% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR7.90%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where First Community 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.

Who can join First Community Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Membership is open to businesses, government entities, individuals, household members, and immediate family who reside or work in specified Missouri and Illinois counties.

Employers and groups

  • Membership is open to employees and retirees (and their household/immediate family members) of a company or association within the credit union's field of membership.

Family and household

  • Immediate family members and household members of eligible individuals qualify for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← First Community Credit Union overview