Credit union · NCUA insured
Freedom Credit Union Credit Card Rates
Top CarrotFreedom Credit Union credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Freedom Credit Union’s credit card rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Freedom Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Freedom Credit Union
12.90%APR
- Up to
- 17.90% APR
Visa® Cash Back Card
Lowest rate
APG Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Forge Credit Union
7.99%APR
- Up to
- 17.99% APR
Freedom Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Freedom 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.
Visa® Cash Back Card
Membership required: open to anyone who lives, works, worships, attends school, or volunteers in Bucks, Chester, Delaware, Montgomery, or Philadelphia County, or is related to an existing Freedom Credit Union member. Total maximum unsecured debt per member is $30,000. An eligible co-borrower is required unless the cardholder has independent means of repaying credit extended.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.99% | None | Enjoy a 0.99% APR introductory rate for the first 6 months. No annual fee. No fees for balance transfers, cash advances, or foreign transactions. Earn 1% cash back on purchases. |
| Ongoing | 12.90%–17.90% | None | Rate as low as 12.90% but not more than 17.90% thereafter based on credit history (page 47 mentions as low as 13.90% APR). No annual fee. No fees for balance transfers, cash advances, or foreign transactions. Earn 1% cash back on purchases. |
Sources (3)
- freedomcu.org/loans-credit/credit-cards
- freedomcu.org/loans-credit/cre…ards/visa-cash-back-card
- freedomcu.org/rates
All captured Oct 7, 2026
Who can join Freedom Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or volunteers in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties.
Family and household
- Membership is open to individuals who are related to an existing Freedom Credit Union member.
Cost to join
- All memberships require opening and maintaining a Freedom Savings account with a minimum balance of $5.00.
Membership information collected October 5, 2026.