Credit union · NCUA insured
InFirst Federal Credit Union Credit Card Rates
InFirst Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How InFirst Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where InFirst Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
InFirst Federal Credit Union
10.90%APR
- Up to
- —
Visa Rewards
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
InFirst Federal Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where InFirst 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.
Visa Rewards
Rates based on creditworthiness. No annual fee. No balance transfer fee. Cash advance fee: 3.00% or $5.00, whichever is higher. Foreign transaction fees may apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Rate is as low as 10.90% APR based on creditworthiness. No annual fee. No balance transfer fee. |
Young Adult Visa Rewards
Available to young adults ages 18 to 25 when applying. Members under 21 require a cosigner or proof of income. Rates based on creditworthiness. No annual fee. No balance transfer fee. Cash advance fee: 3.00% or $5.00, whichever is higher.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Rate as low as 9.90% APR for young members opening a checking account with an InFirst Line of Credit. Rates based on creditworthiness. No annual fee. No balance transfer fee. |
| Ongoing | 11.90% | None | Standard rate is 11.90% APR if no checking account or InFirst Line of Credit is established. Fixed rate on purchases. Rates based on creditworthiness. No annual fee. No balance transfer fee. |
Sources (3)
All captured Oct 22, 2026
Who can join InFirst Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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, works, worships, or attends school in most of Salem, Roanoke, Botetourt, Vinton and King George, VA.
Employers and groups
- Membership is open to members of the InFirst Responders Foundation.
Military, government and schools
- Membership is open to retired federal employees receiving an annuity through the Office of Personnel Management.
- Membership is open to employees of listed federal agencies including OPM, FCC, FTC, PBGC, SEC, FEMA, STB, MSPB, and OGE.
Family and household
- Membership is open to eligible family members, including spouse, child, sibling, parent, grandparent, step-parents, stepchildren, step-siblings, domestic partners, and adoptive relationships.
Cost to join
- Joining the credit union requires establishing a share by maintaining a minimum of $5 in a Prime Savings Account.
Membership information collected October 4, 2026.