Credit union · NCUA insured
National Police FCU Credit Card Rates
Top CarrotNational Police FCU credit cards start at 10.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How National Police FCU’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where National Police FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
National Police FCU
10.40%APR
- Up to
- 15.40% APR
VISA Silver Low Rate
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
- Up to
- —
National Police FCU credit card score
81
Credit card score
Higher than 55% of U.S. banks and credit unions
- Purchase APRPurchase APR10.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where National Police FCU 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 Copper Cash Back
Maximum Credit Limit ($25,000). Unlimited 3% cash back on all purchases. Qualifies toward End of Watch Loan Protection. $0 fee on non-promotional balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40%–16.40% | None | Variable APR based on prime rate; 14.40% - 16.40% APR for purchases and cash advances. No annual fee. $0 fee on non-promotional balance transfers. |
VISA Secured
Requires a minimum deposit of $300. A permanent hold for the entire credit limit will be placed on your National Police share account while the Secured Visa account is open. Maximum Credit Limit ($2,500). If the deposit securing the Secured Visa account is received in any form other than cash or certified check, the funds must be on deposit with National Police Federal Credit Union for a minimum of 10 business days prior to the card being issued.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.40% | None | Variable APR based on prime rate; applies to purchases and cash advances. No annual fee. Minimum deposit $300. |
VISA Silver Low Rate
Maximum Credit Limit ($25,000). Perfect for members who carry a balance or for larger purchases. Lower interest rates may apply during promotional campaigns. Qualifies toward End of Watch Loan Protection. $0 fee on non-promotional balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.40%–15.40% | None | Variable APR based on prime rate; 10.40% - 15.40% APR for purchases and cash advances. No annual fee. $0 fee on non-promotional balance transfers. |
VISA Student
Initial maximum limit of $500. The limit may be increased by $50 every 3 months with on time payment history and if the member stays within the credit limit during that period with a maximum limit of $750. Qualifies toward End of Watch Loan Protection.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.40% | None | Variable APR based on prime rate; 16.40% APR for purchases and cash advances. No annual fee. Initial maximum credit limit $500 (up to $750). |
Who can join National Police FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Active dues paying members of any Fraternal Order of Police Lodge are eligible for membership.
Military, government and schools
- Active or retired First Responders are eligible for membership.
- Active or retired civilian employees of eligible departments or associations qualify for membership.
Family and household
- Family members or members of household of eligible individuals qualify for membership.
Membership information collected October 5, 2026.