Credit union · NCUA insured
Homebase Credit Union Credit Card Rates
Homebase Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Homebase Credit Union’s credit card rates compare
Compared with banks and credit unions near Richmond, VA, where Homebase Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Homebase Credit Union
11.99%APR
- Up to
- 17.99% APR
Platinum Rewards VISA Card
Lowest rate
Hopewell Chemical FCU
6.90%APR
- Up to
- 16.99% APR
2nd-lowest rate
FirePolice CU
7.90%APR
- Up to
- —
Homebase Credit Union credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Homebase 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 Rewards VISA Card
Subject to credit approval. APR determined by creditworthiness and varies with market based on Prime Rate. Membership required for those living or working in Amelia, Charles City, Chesterfield, Colonial Heights, Dinwiddie, Goochland, Hanover, Henrico, Hopewell, King and Queen, King William, New Kent, Nottoway, Petersburg, Powhatan, Prince George, Richmond, and Sussex; $1 non-refundable fee plus $25 savings deposit refundable at account closing. Credit limits from $500 to $20,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–17.99% | None | No monthly or annual service fees. No balance transfer fees. No cash advance fees. No foreign transaction fees. Competitive variable rates with the same rate for cash advances, balance transfers, and purchases. APR varies with the market based on the Prime Rate. Credit limits from $500 to $20,000. Balance transfers cannot be applied to existing Homebase CU loans. |
Sources (2)
All captured Oct 4, 2026
Who can join Homebase 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This may be incomplete or out of date, so check with the credit union before you apply.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, worships, works (or regularly conducts business in), or attends school in designated Virginia counties and cities.
Employers and groups
- Companies and other legal entities in the eligible counties can join.
Military, government and schools
- Employees of the credit union are eligible to join.
Family and household
- Spouses of persons who died while within the credit union's field of membership are eligible to join.
- Immediate family relations of current members are eligible to join.
Other ways
- Organizations within the eligible localities can join.
1 more way to join
Other ways
- Volunteers within the eligible localities can join.
Cost to join
- New membership requires a $25 savings deposit that is refundable upon account closing.
- New membership requires a $1 non-refundable membership fee.
Membership information collected October 4, 2026.