Credit union · Privately insured
GenFed Credit Union Credit Card Rates
GenFed Credit Union credit cards start at 16.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How GenFed Credit Union’s credit card rates compare
Compared with banks and credit unions near Cleveland, OH, where GenFed Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
GenFed Credit Union
16.00%APR
- Up to
- —
Platinum Mastercard
Lowest rate
7 17 Credit Union
7.17%APR
- Up to
- 22.99% APR
2nd-lowest rate
Achieve CU
8.90%APR
- Up to
- —
GenFed Credit Union credit card score
61
Credit card score
Higher than 4% of U.S. banks and credit unions
- Purchase APRPurchase APR16.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where GenFed 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.
Platinum Mastercard
Membership required to open/fund account. No annual fee and no penalty APR. 25-day grace period on purchases. Credit-building and clean-start accommodations available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.00% | None | Ongoing regular APR based on creditworthiness. Rate includes all possible discounts. |
| Intro, 12 months | 0.00% | None | 0% APR introductory rate for the first 12 months on purchases. |
| Intro, 12 months | 2.99% | None | 2.99% APR introductory rate for the first 12 months on balance transfers. Balance transfer fee is the greater of $5 or 3% during intro period; no fee applies after. |
Sources (3)
All captured Oct 6, 2026
Platinum Rewards Mastercard
Membership required to open/fund account. No annual fee and no penalty APR. 25-day grace period on purchases. Earns 1 CURewards point per $1 spent. Credit-building and clean-start accommodations available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Ongoing regular APR based on creditworthiness. Rate includes all possible discounts. |
| Intro, 12 months | 0.00% | None | 0% APR introductory rate for the first 12 months on purchases. |
| Intro, 12 months | 2.99% | None | 2.99% APR introductory rate for the first 12 months on balance transfers. Balance transfer fee is the greater of $5 or 3% during intro period; no fee applies after. |
Sources (3)
All captured Oct 6, 2026
Share Secured Mastercard
Secured credit card for first-time credit users or members re-establishing credit. Credit limit matches secured deposit, up to $20,000. No annual fee, no penalty APR, and 25-day grace period. Deposit released after balance is paid in full and account is closed.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% APR introductory rate for the first 12 months on purchases. Credit limit matches secured deposit up to $20,000. |
| Intro, 12 months | 2.99% | None | 2.99% APR introductory rate for the first 12 months on balance transfers. Balance transfer fee is the greater of $5 or 3% of each transfer during intro period (no fee after intro period). Credit limit matches secured deposit up to $20,000. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Oct 6, 2026
Who can join GenFed Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who reside, work, attend school, volunteer, or worship in Marion, Jefferson, or Clinton County, Illinois are eligible for membership.
- Individuals who reside or work in Shelby County, Indiana are eligible for membership.
- Individuals who reside, work, attend school, volunteer, or worship in Lorain, Summit, Erie, Medina, Williams, or Paulding County, Ohio are eligible for membership.
- Individuals who reside, work, attend school, or worship in Cuyahoga, Portage, or Defiance County, Ohio are eligible for membership.
Employers and groups
- Employees of qualifying select employee groups are eligible for membership.
Family and household
- Immediate family members of a GenFed member—including a spouse, child, sibling, parent, grandparent, or grandchild (including step and adopted relationships)—are eligible for membership.
1 more way to join
Family and household
- Individuals living at the same residence as a GenFed member and maintaining a single economic unit qualify for membership.
Cost to join
- Membership requires a $5 opening deposit into a Traditional Savings account, which GenFed provides at no cost to the joining member.
Membership information collected October 5, 2026.