Credit union · NCUA insured
Koin Credit Union Credit Card Rates
Koin Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Koin Credit Union’s credit card rates compare
Compared with banks and credit unions near Nashville, TN, where Koin Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Koin Credit Union
9.99%APR
- Up to
- —
Royal
Lowest rate
Heritage South
8.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
Outreach FCU
8.90%APR
- Up to
- —
Koin Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Koin 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.
Classic
Fair to good credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed APR. |
Rewards
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | $79 | Variable APR calculated as Prime + 5.99%. |
Royal
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.74% | None | Variable APR calculated as Prime + 2.99%. |
Secured
Building or rebuilding credit; secured by a deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed APR. |
Who can join Koin Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available exclusively through trusted partner organizations.
Membership information collected October 5, 2026.