Credit union · NCUA insured
KCCU Credit Card Rates
Top CarrotKCCU credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How KCCU’s credit card rates compare
Compared with banks and credit unions near Battle Creek, MI, where KCCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
KCCU
8.99%APR
- Up to
- 17.99% APR
Edge Credit Card
Lowest rate
Grand Trunk Credit Union
8.90%APR
- Up to
- 13.90% APR
2nd-lowest rate
Consumers Credit Union
8.99%APR
- Up to
- 22.99% APR
KCCU credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KCCU 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.
Edge Credit Card
Membership required. Fixed APR based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99%–17.99% | None | Fixed APR when you open your account based on your creditworthiness. No annual fee, no balance transfer fee, no cash advance fee. |
Sources (2)
All captured Oct 5, 2026
Elite Credit Card
Membership required. Variable APR varies with the market based on the Prime Rate; approval and rate depend on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50%–23.50% | None | Variable APR based on Prime Rate when you open account depending on creditworthiness. No annual fee, no balance transfer fee, no cash advance fee. |
Sources (2)
All captured Oct 5, 2026
Who can join KCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- People who live, work, worship, or attend school in Michigan, as well as businesses and other legal entities located in Michigan, are eligible to join.
Family and household
- Relatives of KCCU members are eligible for credit union membership.
Cost to join
- KCCU membership requires a minimum savings account deposit of $5.00.
Membership information collected October 5, 2026.