Credit union · NCUA insured
First Community Credit Union Credit Card Rates
First Community Credit Union credit card rates start at 9.99% APR. Rates checked October 16, 2026.
How First Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Rockford, IL, where First Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Community Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
MembersAlliance Credit Union
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Rockford Municipal Employees Credit Union
8.90%APR
- Up to
- —
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.
FirstCCU Rewards Credit Card
Membership eligibility required. Actual APR is based on creditworthiness, market conditions, and other factors credit union deems relevant. Current FirstCCU credit card balances are not eligible for the balance transfer introductory rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for purchases is 0% and applies for 6 billing cycles from account opening to transactions posted during the first 6 months. |
| Intro, 12 months | 5.99% | None | Introductory APR for balance transfers for 1 year. Current FirstCCU credit card balances are not eligible for the balance transfer introductory rate. |
| Ongoing | 9.99%–18.99% | None | Ongoing APR after introductory period (Visa Rewards, based on creditworthiness). Stated on rates schedule as 9.99%-18.99% with effective date October 15, 2026, and on product pages as 9.99%-19.9%. |
Sources (3)
All captured Oct 16, 2026
Visa Secured Credit Card
Membership eligibility and credit approval required. Actual rate based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for purchases is 0% and applies for 6 billing cycles from account opening to transactions posted during the first 6 months. |
| Ongoing | 21.00% | None | Ongoing APR after introductory period for Visa Secured. |
Sources (1)
- firstccu.com/about-us/rates · captured Oct 16, 2026
Who can join First Community Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.