Credit union · NCUA insured
First Credit Union Credit Card Rates
First Credit Union credit cards start at 13.65% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How First Credit Union’s credit card rates compare
Compared with banks and credit unions near Phoenix, AZ, where First Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Credit Union
13.65%APR
- Up to
- 23.65% APR
Rewards Credit Card
Lowest rate
Pinal County FCU
7.90%APR
- Up to
- 13.90% APR
2nd-lowest rate
AERO Financial
7.92%APR
- Up to
- 12.84% APR
First Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First 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.
Credit Builder Rewards Credit Card
Rates current as of October 1, 2026. Rates vary with the market based on the Prime Rate. Variable rates based on personal financial situation and credit performance. No annual fee and no balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 0.00% | None | Introductory APR on purchases for the first 9 billing cycles for new cardholders. |
| Intro, 9 months | 4.90% | None | Introductory rate on balance transfers made within the first 30 days, valid for 9 billing cycles. |
| Ongoing | 13.65%–23.65% | None | Purchases APR. |
| Ongoing | 16.65%–26.65% | None | Balance Transfers APR. |
Sources (3)
- firstcu.net/borrow/credit-cards/rewards-credit-card
- firstcu.net/borrow/credit-cards
- firstcu.net/borrow/credit-card…dit-builder-credit-cards
All captured Oct 3, 2026
Rewards Credit Card
Rates vary with the market based on the Prime Rate. Variable rates based on personal financial situation and credit performance. No annual fee and no balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 0.00% | None | Introductory APR on purchases for the first 9 billing cycles for new cardholders. |
| Intro, 9 months | 4.90% | None | Introductory rate on balance transfers made within the first 30 days, valid for 9 billing cycles. |
| Ongoing | 13.65%–23.65% | None | Purchases APR. |
| Ongoing | 16.65%–26.65% | None | Balance Transfers APR. |
Sources (4)
- firstcu.net
- firstcu.net/borrow/credit-cards/rewards-credit-card
- firstcu.net/rates
- firstcu.net/borrow/credit-cards
All captured Oct 3, 2026
Secured Credit Card
Requires a refundable pledge deposited into a First Credit Union savings account equal to the credit limit. Rates vary with the market based on Prime Rate. No balance transfer fees. $39 annual service charge applied at the end of the month opened and annually thereafter.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.65% | $39 | Purchases APR. |
| Ongoing | 21.65% | $39 | Balance Transfers APR. |
Sources (3)
All captured Oct 3, 2026
Who can join First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.