Credit union · NCUA insured
Members1st Community Credit Union Credit Card Rates
Top CarrotMembers1st Community Credit Union credit cards start at 11.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Members1st Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Ames, IA, where Members1st Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Members1st Community Credit Union
11.40%APR
- Up to
- 22.40% APR
Visa Platinum Cashback
Lowest rate
Premier Credit Union
9.99%APR
- Up to
- —
3rd-lowest rate
First National Bank
11.99%APR
- Up to
- 19.99% APR
Members1st Community Credit Union credit card score
76
Credit card score
Higher than 42% of U.S. banks and credit unions
- Purchase APRPurchase APR11.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members1st Community 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 Platinum Cashback
No Annual Fee. Option to use it to receive benefits on a Yield 1st Checking Account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.99%–11.84% | None | Introductory APR on purchases for the first 12 months for qualified applicants; rate is determined by creditworthiness. |
| Ongoing | 11.40%–21.00% | None | Ongoing variable APR for purchases, balance transfers, and cash advances based on creditworthiness. Rate calculated as The Wall Street Journal Prime Rate plus 4.40% to 15.40% margin. |
Who can join Members1st Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business entities with a place of business in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, or Webster counties in Iowa are eligible to join.
- Individuals who live, attend school, worship, or work for any entity in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, and Webster counties in Iowa are eligible to join.
Family and household
- Family members of existing members are eligible to join.
Cost to join
- Joining requires completing and submitting a membership application along with a $5 deposit into a basic share savings account.
Membership information collected October 4, 2026.