Credit union · NCUA insured
Hope Credit Union Credit Card Rates
Hope Credit Union credit cards start at 13.25% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Hope Credit Union’s credit card rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Hope Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Hope Credit Union
13.25%APR
- Up to
- 18.00% APR
Platinum Visa
Lowest rate
LGWFCU
7.90%APR
- Up to
- 16.90% APR
2nd-lowest rate
Memphis City Employees Credit Union
7.90%APR
- Up to
- 16.90% APR
Hope Credit Union credit card score
66
Credit card score
Higher than 16% of U.S. banks and credit unions
- Purchase APRPurchase APR13.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hope 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
Subject to personal credit approval and terms and conditions of the Credit Card Agreement. Rewards program allows earning points for making qualifying purchases. APRs on Platinum Rewards Visa credit cards may be higher. Fees may apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.25% | None | Rates as low as 14.25 % APR. |
Sources (2)
All captured Oct 7, 2026
Platinum Visa
Subject to personal credit approval and terms and conditions of the Credit Card Agreement. Credit limits of up to $20,000. Low variable rates.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 4.99% | None | 4.99% APR on purchases for 6 months. |
| Intro, 12 months | 4.99% | None | 4.99% APR on balance transfers for 12 months. |
| Ongoing | 13.25% | None | Rates as low as 13.25 % APR. Low variable rates. |
| Ongoing | 13.25%–18.00% | None | Credit Limits of Up to $10,000. |
Sources (3)
- hopecu.org/personal/credit-cards
- hopecu.org/product/personal/credit-cards/platinum-visa
- hopecu.org/rates
All captured Oct 7, 2026
Who can join Hope Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to individuals and organizations who join Hope Enterprise Corporation.
Cost to join
- The membership fee is $10 ($5 goes to Hope Enterprise Corporation, a 501(c)(3) non-profit, and is tax deductible).
Membership information collected October 4, 2026.