Credit union · NCUA insured
HEB Federal Credit Union Credit Card Rates
HEB Federal Credit Union credit cards start at 12.65% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How HEB Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Antonio, TX, where HEB Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HEB Federal Credit Union
12.65%APR
- Up to
- 17.90% APR
Platinum Mastercard®
Lowest rate
CPS IBEW FCU
8.90%APR
- Up to
- —
2nd-lowest rate
Southwest Research Center Federal Credit Union
8.90%APR
- Up to
- —
HEB Federal Credit Union credit card score
69
Credit card score
Higher than 25% of U.S. banks and credit unions
- Purchase APRPurchase APR12.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HEB 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.
Platinum Mastercard®
Membership eligibility required. Subject to credit approval. No annual fee, no cash advance fee, no balance transfer fee, no foreign transaction fee, and no penalty APR. Maximum APR will not exceed 18.00%. Purchase and balance transfer APRs vary based on the Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–17.90% | None | Purchase APR based on creditworthiness; variable with Prime Rate up to 18.00% max. |
| Ongoing | 17.90% | None | Cash advance APR. Accurate as of 9/21/2026 and will not exceed 18.00%. No cash advance fee. |
| Intro, 12 months | 2.99% | None | Introductory balance transfer rate for 12 months (or 12 statement closing dates) on transfers from an outside card account made within 60 days of opening new account; thereafter converts to prevailing card APR. Not available on migrated accounts opened prior to 10/25/21. |
Sources (2)
All captured Oct 16, 2026
Platinum Rewards Mastercard®
Membership eligibility required. Subject to credit approval. No annual fee, no cash advance fee, no balance transfer fee, and no foreign transaction fee. Maximum APR will not exceed 18.00%. Purchase and balance transfer APRs vary based on the Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.65%–17.90% | None | Purchase APR based on creditworthiness; variable with Prime Rate up to 18.00% max. |
| Ongoing | 17.90% | None | Cash advance APR. Accurate as of 9/21/2026 and will not exceed 18.00%. No cash advance fee. |
| Intro, 12 months | 2.99% | None | Introductory balance transfer rate for 12 months (or 12 statement closing dates) on transfers from an outside card account made within 60 days of opening new account; thereafter converts to prevailing card APR. Not available on migrated accounts opened prior to 10/25/21. |
Sources (2)
All captured Oct 16, 2026
Secured Mastercard®
Membership eligibility required. Subject to credit approval. Purchase and balance transfer APRs accurate as of 9/21/2026 and will not exceed 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Purchase APR. Accurate as of 9/21/2026; will not exceed 18.00%. |
Sources (1)
- hebfcu.org/loans/rates · captured Oct 16, 2026
Who can join HEB Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.