Credit union · NCUA insured
NAFT Federal Credit Union Credit Card Rates
Top CarrotNAFT Federal Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How NAFT Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near McAllen, TX, where NAFT Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NAFT Federal Credit Union
8.90%APR
- Up to
- —
Platinum
2nd-lowest rate
Security First Credit Union
10.75%APR
- Up to
- 17.50% APR
3rd-lowest rate
Security Service Federal Credit Union
11.24%APR
- Up to
- 18.00% APR
NAFT Federal Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NAFT 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.
Classic
No annual fees. Subject to credit approval and standard credit union lending criteria.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00% | None | Purchase rate. |
| Ongoing | 16.90% | None | Cash advance rate. |
| Intro, 15 months | 0.00% | None | Promotional balance transfer rate for transfers posting between July 23, 2026 and August 31, 2026. NAFT FCU balances are not eligible. 3% fee applies to each balance transfer. Afterward, remaining balance accrues interest at regular APR. |
Gold
No annual fees. Subject to credit approval and standard credit union lending criteria.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Purchase rate. |
| Ongoing | 14.90% | None | Cash advance rate. |
| Intro, 15 months | 0.00% | None | Promotional balance transfer rate for transfers posting between July 23, 2026 and August 31, 2026. NAFT FCU balances are not eligible. 3% fee applies to each balance transfer. Afterward, remaining balance accrues interest at regular APR. |
Platinum
No annual fees. Subject to credit approval and standard credit union lending criteria.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Purchase rate. |
| Ongoing | 12.90% | None | Cash advance rate. |
| Intro, 15 months | 0.00% | None | Promotional balance transfer rate for transfers posting between July 23, 2026 and August 31, 2026. NAFT FCU balances are not eligible. 3% fee applies to each balance transfer. Afterward, remaining balance accrues interest at regular APR. |
Who can join NAFT 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
- Anyone who lives, works, worships, volunteers, or attends school in Hidalgo or Cameron County is eligible to join NAFT Federal Credit Union.
Membership information collected October 5, 2026.