Credit union · NCUA insured
Focus Federal Credit Union Credit Card Rates
Focus Federal Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Focus Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Focus Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Focus Federal Credit Union
10.99%APR
- Up to
- 17.99% APR
MasterCard Platinum
Lowest rate
Oklahoma Federal Credit Union
7.00%APR
- Up to
- 11.00% APR
2nd-lowest rate
Farmers Insurance Federal Credit Union
8.99%APR
- Up to
- 18.00% APR
Focus Federal Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Focus Federal 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 Classic
Low fixed rates, 25-day grace period on purchases, rewards program available. Normal credit union underwriting, terms and conditions apply. Interest rates determined by credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–17.99% | None | Interest rates determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. |
MasterCard Platinum
Low fixed rates, 25-day grace period on purchases, rewards program available. Normal credit union underwriting, terms and conditions apply. Interest rates determined by credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99%–17.99% | None | Interest rates determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. |
MasterCard Secured
Low fixed rates, 25-day grace period on purchases. Does not apply to rewards. Normal credit union underwriting, terms and conditions apply. Interest rates determined by credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99% | None | Interest rates determined by credit score. Normal credit union underwriting, terms and conditions apply. Rates subject to change. |
Who can join Focus 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
- Anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain, Pottawatomie, and Grady Counties is eligible to become a member.
Membership information collected October 4, 2026.