Credit union · NCUA insured
Industrial Federal Credit Union Credit Card Rates
Industrial Federal Credit Union credit cards start at 11.50% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Industrial Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Lafayette, IN, where Industrial Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Industrial Federal Credit Union
11.50%APR
- Up to
- —
Fixed-Rate Classic Visa Credit Card
Lowest rate
Staley Credit Union
9.90%APR
- Up to
- 16.90% APR
3rd-lowest rate
Fowler State Bank
18.48%APR
- Up to
- —
Industrial Federal Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Industrial 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.
Fixed-Rate Classic Visa Credit Card
No annual fee. Minimum credit limit of $1,000. 25-day grace period on purchases. There is no grace period for cash advances. Balance transfers post as cash advance. Late fee up to $20. Qualification is based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50% | None | Tier 1. Fixed rate. No minimum interest charge. 25-day grace period. |
| Ongoing | 13.50% | None | Tier 1. Balance Transfers post as cash advance. No balance transfer fee. |
| Ongoing | 14.50% | None | Tier 2. Fixed rate. No minimum interest charge. 25-day grace period. |
| Ongoing | 17.90% | None | Tier 3. Fixed rate. No minimum interest charge. 25-day grace period. |
Platinum Cash Back + Rewards
Variable APR based on Prime Rate + 5.00%, adjusted monthly based on WSJ Prime Rate on 15th business day. No annual fee. Minimum credit limit $5,000. Minimum interest charge $0.50. 25-day grace period on purchases. Cash advance fee 2% (max $10.00). Balance transfers post as cash advance. Late fee up to $25. Qualification based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | Variable APR determined by adding 5% to the Prime Rate. 25-day grace period. Minimum interest charge $0.50. |
| Ongoing | 12.00% | None | Variable APR based on Prime Rate. Balance Transfers post as cash advance. No balance transfer fee. |
Visa Select Credit Card
Rate effective as of September 18, 2026; APR varies with market based on Prime Rate (Prime + 8%); minimum credit limit of $2,500 required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.00% | None | Annual Percentage Rate (APR) for purchases: 15.00% (variable). |
Who can join Industrial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who does not qualify through Select Employer groups or family can join by making a $5 donation to an eligible partner organization.
Employers and groups
- Employees, volunteers, trustees, board members, retirees, and immediate family members of employees of Select Employers are eligible for membership.
Family and household
- Individuals with a family member who is a member of Industrial FCU are eligible for membership.
Cost to join
- A $5 deposit into a savings account is required for membership.
- A one-time $5 membership fee is required to become a member.
Membership information collected October 5, 2026.