Credit union · NCUA insured
First Watch Credit Union Credit Card Rates
Top CarrotFirst Watch Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Watch Credit Union’s credit card rates compare
Compared with banks and credit unions near Abilene, TX, where First Watch Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Watch Credit Union
9.90%APR
- Up to
- 13.90% APR
MasterCard
Lowest rate
Communities of Abilene Federal Credit Union
8.90%APR
- Up to
- —
3rd-lowest rate
Abilene Teachers Federal Credit Union
10.24%APR
- Up to
- 17.24% APR
First Watch Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Watch 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.
MasterCard
25-day interest-free grace period. Additional cards at no extra cost.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–13.90% | None | 25-day interest-free grace period; no annual fee. |
Who can join First Watch Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in Taylor, Haskell, Jones, Shackelford, Stephens, Nolan, Callahan, Eastland, Runnels, Coleman, Brown, Comanche and Erath counties, Texas are eligible for membership.
Family and household
- Immediate family members (grandparent, parent, spouse, sibling, child, grandchild, adopted children, stepparents, stepchildren, and stepsiblings) of eligible persons or current members, as well as organizations of such persons, are eligible for membership.
- Household members of current members living in the same residence and maintaining a single economic unit are eligible for membership.
Other ways
- Members of record of First Watch Credit Union as of November 9, 2000 are eligible for membership.
- Spouses of persons who died while within the field of membership of First Watch Credit Union are eligible for membership.
Cost to join
- Opening a savings account and establishing membership requires a $26 deposit.
Membership information collected October 5, 2026.