Credit union · NCUA insured
First Service Credit Union Credit Card Rates
Top CarrotFirst Service Credit Union credit cards start at 17.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Service Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where First Service Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Service Credit Union
17.99%APR
- Annual fee
- None
First Service Cash Back Visa® Credit Card
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
First Service Credit Union credit card score
60
Credit card score
Higher than 2% of U.S. banks and credit unions
- Purchase APRPurchase APR17.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Service 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.
First Service Cash Back Visa® Credit Card
Earns 0.50% cash back on eligible net purchases. Zero annual service charges.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Standard APR subject to credit approval. |
First Service Visa® Credit Card
Zero annual service charges.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory rate is valid for the first 6 months from the account opening date for purchases. |
| Ongoing | 9.99%–17.99% | None | Standard variable APR applies after the 6-month introductory period, depending on creditworthiness and underwriting factors. |
Secured Credit Card
Requires a deposit hold of 110% of the total limit to cover potential over-limit charges. Zero annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% Introductory APR for 6 months from date of account opening for purchases. |
| Intro, 6 months | 6.99%–14.99% | None | 6.99% - 14.99% Introductory APR for 6 months from date of account opening for cash advances. Cash advance fee 3% (minimum $5.00). |
No ongoing APR is published for this card, only the rate above.
Sources (2)
- fscu.com/getContentAsset/ac60c…rd-Disclosure-512026.pdf
- fscu.com/personal/credit-cards…ards/secured-credit-card
All captured Oct 16, 2026
Who can join First Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside, work, worship, or study in Austin County, Brazoria County, Chambers County, Fort Bend County, Galveston County, Grimes County, Harris County, Liberty County, Matagorda County, Montgomery County, San Jacinto County, Walker County, Waller County, Wharton County, Conroe ISD, or Magnolia ISD are eligible for membership.
Employers and groups
- Employees of select employee groups including KBR, Halliburton, CenterPoint Energy, Baker Hughes, NRG, and Kinder Morgan are eligible for membership.
Family and household
- Individuals related to an existing First Service member are eligible for membership.
Other ways
- Individuals who make a donation to the You First Foundation are eligible for membership.
Membership information collected October 5, 2026.