Credit union · NCUA insured
First Service Federal Credit Union Credit Card Rates
First Service Federal Credit Union credit card rates start at 12.99% APR. Rates checked October 16, 2026.
How First Service Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Columbus, OH, where First Service Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Service Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Scott Associates Credit Union Inc
8.99%APR
- Up to
- 15.99% APR
2nd-lowest rate
State Highway Patrol Federal Credit Union
8.99%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.
VISA Platinum Credit Unions for Kids Card
Requires membership with minimum $5 share savings account. Variable APR based on Prime Rate. First Service donates 1% of all purchases to Children's Miracle Network Hospitals for Nationwide Children's Hospital in Columbus. Non-rewards card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for the first 12 billing cycles on purchases, balance transfers, and cash advances for new accounts. Reverts to prevailing variable rate thereafter. We may end introductory APR if 60 days late in making a payment. |
| Ongoing | 14.99%–17.99% | None | Non-introductory variable rate based on creditworthiness. Variable APR subject to change quarterly. |
Sources (2)
All captured Oct 7, 2026
VISA Platinum Low Rate
Requires membership with minimum $5 share savings account. Variable APR based on Prime Rate. Non-rewards card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for the first 12 billing cycles on purchases, balance transfers, and cash advances for new accounts. Reverts to prevailing variable rate thereafter. We may end introductory APR if 60 days late in making a payment. |
| Ongoing | 12.99%–16.24% | None | Non-introductory variable rate based on creditworthiness. Variable APR subject to change quarterly. |
Sources (2)
All captured Oct 7, 2026
VISA Platinum Rewards
Requires membership with minimum $5 share savings account. Variable APR based on Prime Rate. Earns 2% cash rewards or points on net purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for the first 12 billing cycles on purchases, balance transfers, and cash advances for new accounts. Reverts to prevailing variable rate thereafter. We may end introductory APR if 60 days late in making a payment. |
| Ongoing | 14.99%–17.99% | None | Non-introductory variable rate based on creditworthiness. Variable APR subject to change quarterly. |
Sources (2)
All captured Oct 7, 2026
VISA Platinum Secured
Requires membership with minimum $5 share savings account. Secured by First Service shares. Introductory rate is not available on VISA Platinum Secured card. Non-rewards card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Non-introductory rate. Introductory APR is not available for this card. Variable APR subject to change quarterly. |
Sources (2)
All captured Oct 7, 2026
Who can join First Service Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- First Service is open to everyone who lives, works, worships or attends school in Franklin, Delaware, Fairfield, Licking, Madison, Morrow, Pickaway, or Union County.
Cost to join
- You can open your account with as little as $5.
Membership information collected October 5, 2026.