Credit union · NCUA insured
HRCU Credit Card Rates
HRCU credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How HRCU’s credit card rates compare
Compared with banks and credit unions near Boston, MA-NH, where HRCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
HRCU
12.49%APR
- Up to
- —
Visa Platinum
Lowest rate
Albright Credit Union
7.99%APR
- Up to
- 17.99% APR
2nd-lowest rate
Beverly Municipal Federal Credit Union
7.99%APR
- Up to
- —
HRCU credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where HRCU 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 Platinum
No annual fee. Open to members who live, work, go to school or worship in New Hampshire or York County, Maine, or have an eligible family member. Regular purchase rate applies after promotional balance transfer period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49% | None | Rates are variable and determined by overall creditworthiness. APR as low as 12.49%. Monthly payment $25.00 per $1,000. |
| Intro, 12 months | 0.00% | None | Promotional 0.00% balance transfer APR for 12 months from date transfer is completed. Requires credit score of at least 700. Maximum balance transfer of $5,000.00. 3% balance transfer fee applies. After 12 months, remaining balance reverts to current purchase rate. Existing HRCU card balances not eligible. |
| Intro, 18 months | 4.99% | None | Balance transfer requests exceeding $5,000.00 may be eligible for a rate of 4.99% for 18 months on the amount exceeding $5,000.00. A 3% balance transfer fee applies. Existing HRCU card balances not eligible. |
Sources (3)
- hrcu.org/borrow/credit-cards
- hrcu.org/borrow/credit-cards/visa_platinum_credit_card
- hrcu.org/balance-transfer
All captured Oct 22, 2026
Visa Platinum Rewards
Rewards program applies (uChoose Rewards). No annual fee. Open to members who live, work, go to school or worship in New Hampshire or York County, Maine, or have an eligible family member.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49% | None | Rates are variable and determined by overall creditworthiness. APR as low as 13.49%. Monthly payment $25.00 per $1,000. |
| Intro, 12 months | 0.00% | None | Promotional 0.00% balance transfer APR for 12 months from date transfer is completed. Requires credit score of at least 700. Maximum balance transfer of $5,000.00. 3% balance transfer fee applies. After 12 months, remaining balance reverts to current purchase rate. Existing HRCU card balances not eligible. |
| Intro, 18 months | 4.99% | None | Balance transfer requests exceeding $5,000.00 may be eligible for a rate of 4.99% for 18 months on the amount exceeding $5,000.00. A 3% balance transfer fee applies. Existing HRCU card balances not eligible. |
Sources (3)
- hrcu.org/borrow/credit-cards
- hrcu.org/borrow/credit-cards/v…num-with-uchoose-rewards
- hrcu.org/balance-transfer
All captured Oct 22, 2026
Who can join HRCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives, works, goes to school, or worships in New Hampshire or York County, Maine.
Family and household
- Eligibility is open to individuals who have a family member who is an HRCU member.
Cost to join
- An account can be opened with as little as $5.00.
Membership information collected October 4, 2026.