Credit union · NCUA insured
Metro Federal Credit Union Credit Card Rates
Metro Federal Credit Union credit cards start at 11.80% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Metro Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Metro Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Metro Federal Credit Union
11.80%APR
VISA Platinum
Lowest rate
American Broadcast Employees FCU
6.99%APR
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
Metro Federal Credit Union credit card score
74
Credit card score
Higher than 37% of U.S. banks and credit unions
- Purchase APRPurchase APR11.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Metro 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 Classic
Minimum $1,000 credit limit. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances. 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.80% | None | Fixed rate. Minimum $1,000 credit limit. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances. |
VISA Platinum
Minimum $5,000 credit limit. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances. 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.80% | None | Fixed rate. Minimum $5,000 credit limit. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances. |
VISA Secured
Savings pledge required. Minimum $500 credit limit. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances. 25-day grace period for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.80% | None | Fixed rate. Minimum $500 credit limit; savings pledge required. No annual fee, no balance transfer fee, no cash advance fee or higher rate for cash advances. |
Who can join Metro 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This may be incomplete or out of date, so check with the credit union before you apply.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
- You are eligible to join if you have a business within the community charter and/or regularly conduct business in the community.
- You are eligible to join if you live in the boundaries of METRO's community charter.
- You are eligible to join if you volunteer within the boundaries of METRO's community charter.
- You are eligible to join if you work in the boundaries of METRO's community charter.
- You are eligible to join if you worship or attend school within the boundaries of METRO's community charter.
Employers and groups
- You are eligible to join if you are employed by one of METRO's Sponsoring Employer Groups.
1 more way to join
Family and household
- You are eligible to join if you are an immediate family or household member of an existing METRO Federal Credit Union member.
Cost to join
- Opening an account requires an initial deposit along with a valid ID and proof of eligibility.
Membership information collected October 5, 2026.