Members 1st Federal Credit Union Credit Card Rates

How Members 1st Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Harrisburg, PA, where Members 1st Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
Members 1st Federal Credit Union
– –
No ongoing APR published
Lowest rate
New Cumberland Federal Credit Union
6.90%APR
New Cumberland Federal Credit Union rates
2nd-lowest rate
AmeriChoice Federal Credit Union
8.90%APR
AmeriChoice Federal Credit Union rates

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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 Low Rate

Consumer Visa card described as having an ultra-competitive/lowest APR for carrying a balance; no card-specific purchase APR is published. Contactless. Eligible for consumer balance-transfer promotions; business and secured cards are ineligible.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	Promotional discounted BT APR for 12 consecutive billing cycles using the specific form or online submission; 3% transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Intro, 6 months	1.90%	None	Promotional discounted BT APR for 6 consecutive billing cycles using the specific form or online submission; 1% transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Intro, 3 months	2.99%	None	Promotional discounted BT APR for 3 consecutive billing cycles using the specific form or online submission; no transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Ongoing	12.50%–18.00%	None	After promotional BT expiration, remaining unpaid original BT balance is subject to the regular APR on the monthly statement for the selected consumer card. Stated current rates range 12.50%–18.00% APR across cards; this card is marketed as lowest APR but no distinct numeric purchase APR is given.

Sources (3)

All captured Oct 6, 2026

Visa Platinum Rewards

Consumer Visa card; contactless. Cash-back rewards are out of scope. Eligible for consumer balance-transfer promotions; business and secured cards are ineligible. Regular APR after a promotional balance transfer depends on the specific card selected.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	Promotional discounted BT APR for 12 consecutive billing cycles using the specific form or online submission; 3% transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Intro, 6 months	1.90%	None	Promotional discounted BT APR for 6 consecutive billing cycles using the specific form or online submission; 1% transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Intro, 3 months	2.99%	None	Promotional discounted BT APR for 3 consecutive billing cycles using the specific form or online submission; no transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Ongoing	12.50%–18.00%	None	After promotional BT expiration, remaining unpaid original BT balance is subject to the regular APR on the monthly statement for the selected consumer card. Stated current rates range 12.50%–18.00% APR across cards, not a card-specific purchase APR.

Sources (3)

All captured Oct 6, 2026

Visa Signature Rewards

Consumer Visa card; contactless. Rewards (1.5% cash back or 1.5 points) are out of scope. Eligible for consumer balance-transfer promotions; business and secured cards are ineligible. Regular APR after a promotional balance transfer depends on the specific card selected.

Applies to	APR	Annual fee	Conditions
Intro, 12 months	0.00%	None	Promotional discounted BT APR for 12 consecutive billing cycles using the specific form or online submission; 3% transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Intro, 6 months	1.90%	None	Promotional discounted BT APR for 6 consecutive billing cycles using the specific form or online submission; 1% transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Intro, 3 months	2.99%	None	Promotional discounted BT APR for 3 consecutive billing cycles using the specific form or online submission; no transfer fee. Minimum BT $300; max is available balance. Up to 10 open BTs. Cannot pay off Members 1st cards, lines, or loans. Offer expires December 31, 2026 and may be withdrawn.
Ongoing	12.50%–18.00%	None	After promotional BT expiration, remaining unpaid original BT balance is subject to the regular APR on the monthly statement for the selected consumer card. Stated current rates range 12.50%–18.00% APR across cards, not a card-specific purchase APR.

Sources (3)

All captured Oct 6, 2026

Who can join Members 1st Federal Credit Union

We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.

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