Credit union · NCUA insured
First Community Credit Union Credit Card Rates
Top CarrotFirst Community Credit Union credit card rates start at 12.49% APR. Rates checked October 16, 2026.
How First Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where First Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Community Credit Union
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
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.
FCCU Rewards Card
Membership is open to anyone living, working, attending school, or worshipping in served Texas counties, Select Employee Group employees, or family/relatives of FCCU members/employees. Requires maintaining a $5 minimum balance savings account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for a period of 6 billing cycles on purchases. |
| Ongoing | 12.49%–17.99% | None | Standard non-variable APR after introductory period for purchases; based on creditworthiness. |
Sources (2)
All captured Oct 16, 2026
GENIUS Card
Open to all FCCU members age 18+. 1% of all purchases are donated annually in May to selected local school districts/private schools or local Education Foundations. Membership is open to qualifying Texas county residents, workers, students, or worshippers, Select Employee Group employees, or relatives of FCCU members/employees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for first 6 billing cycles (6 months) on purchases for new cardholders. |
| Ongoing | 12.49%–17.99% | None | Standard non-variable APR after introductory period for purchases; based on creditworthiness. |
Sources (2)
All captured Oct 16, 2026
Secured FCCU Rewards Card
Secured card borrowing against the cardholder's own Secured Savings account with starting limits as low as $500. Membership is open to eligible Texas county residents/workers/students/worshippers, Select Employee Group employees, or relatives/family members of FCCU members/employees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for a period of 6 billing cycles on purchases. |
| Ongoing | 12.49%–17.99% | None | Standard non-variable APR after introductory period for purchases; based on creditworthiness. |
Sources (2)
All captured Oct 16, 2026
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 anyone who lives, works, attends school, or worships in one of the 41 Texas counties served by First Community Credit Union.
Employers and groups
- Membership is open to any person employed by or a member of a Select Employee Group.
Family and household
- Membership is open to any relative or family member of an FCCU member or employee.
Membership information collected October 5, 2026.