Credit union · NCUA insured
NET Credit Union Credit Card Rates
NET Credit Union credit cards start at 13.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How NET Credit Union’s credit card rates compare
Compared with banks and credit unions near Scranton, PA, where NET Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NET Credit Union
13.99%APR
Platinum VISA Credit Card
Lowest rate
Choice One Community Credit Union
8.90%APR
2nd-lowest rate
Corner Post
8.90%APR
NET Credit Union credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR13.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NET 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.
Cash Back Rewards VISA Credit Card
All loans subject to credit approval. Rates, terms, and conditions are risk-based and subject to change based on creditworthiness and qualifications.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99% | None | Risk-based rate as low as 14.99% APR based on credit score. Earns 1% cash back on eligible purchases up to $600 per calendar year. No annual fee, no transaction fee, and no cash advance fee. |
| Intro, 12 months | 0.00% | None | 0% APR balance transfer rate fixed for 12 months from transfer date. A 3% balance transfer fee is charged per balance transfer. Rate corresponds to current variable rate once promotional period ends. Accounts must be in good standing. |
Platinum VISA Credit Card
All loans subject to credit approval. Rates, terms, and conditions are risk-based and subject to change based on creditworthiness and qualifications.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99% | None | Risk-based rate as low as 13.99% APR based on credit score. No annual fee, no transaction fee, no cash advance fee, and no minimum interest charge. |
| Intro, 12 months | 0.00% | None | 0% APR balance transfer rate fixed for 12 months from transfer date. A 3% balance transfer fee is charged per balance transfer. Rate corresponds to current variable rate once promotional period ends. Accounts must be in good standing. |
Secured VISA Credit Card
Designed to help build or repair credit. All loans subject to credit approval. Rates, terms, and conditions are risk-based and subject to change based on creditworthiness and qualifications.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Risk-based rate as low as 18.00% APR based on credit score. No annual fee, no transaction fee, and no cash advance fee. |
| Intro, 12 months | 0.00% | None | 0% APR balance transfer rate fixed for 12 months from transfer date. A 3% balance transfer fee is charged per balance transfer. Rate corresponds to current variable rate once promotional period ends. Accounts must be in good standing. |
Who can join NET Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in the NET Neighborhood are eligible for membership.
Employers and groups
- Individuals who work for or are associated with one of NET's Preferred Partner Groups are eligible for membership.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including step- and adoptive relationships) or housemates of an eligible member can join, and the primary member does not need to join first.
Membership information collected October 5, 2026.