Credit union · NCUA insured
Formation Credit Union Credit Card Rates
Formation Credit Union credit card rates start at 8.00% APR. Rates checked October 16, 2026.
How Formation Credit Union’s credit card rates compare
Compared with banks and credit unions near Baton Rouge, LA, where Formation Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Formation Credit Union
– –
No ongoing APR published
Lowest rate
BRECO FCU
7.90%APR
2nd-lowest rate
DOCCU
8.90%APR
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 Rewards Credit Card
Available to Formation members. Non-variable rate determined based on creditworthiness. Max rate is 18.00%. 25 day interest-free grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.00% | None | APR as low as 8.00%. Max rate is 18.00%. Loan rates adjusted on individual credit profiles. |
Sources (3)
- formationcu.com/loans/credit-cards
- formationcu.com/rates
- formationcu.com/wp-content/upl…U-Form-VisaDisc-2024.pdf
All captured Oct 7, 2026
Who can join Formation Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.