Credit union · NCUA insured
OC Federal Credit Union Credit Card Rates
OC Federal Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How OC Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Cleveland, OH, where OC Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OC Federal Credit Union
10.99%APR
- Up to
- 17.99% APR
Rewards Mastercard®
Lowest rate
7 17 Credit Union
7.17%APR
- Up to
- 22.99% APR
2nd-lowest rate
Achieve CU
8.90%APR
- Up to
- —
OC Federal Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OC 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.
Cash Back Mastercard®
Standard APR, balance transfer APR, and cash advance APR range from 11.99% to 17.99% depending on credit history; variable rates based on WSJ Prime. Credit limits range from $250 to $15,000. Membership eligibility required. No annual fee, balance transfer fee, or cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–17.99% | None | Standard APR ranges from 11.99% to 17.99% depending on credit history; variable based on WSJ Prime. |
Sources (2)
All captured Oct 6, 2026
Rewards Mastercard®
Standard APR, balance transfer APR, and cash advance APR range from 10.99% to 17.99% depending on credit history; variable rates based on WSJ Prime. APR will not exceed 17.99% and go beneath 10.99%. Credit limits range from $250 to $15,000. Membership eligibility required. No annual fee, balance transfer fee, or cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99%–17.99% | None | Standard APR ranges from 10.99% to 17.99% based on credit history; variable based on WSJ Prime. |
Sources (2)
All captured Oct 6, 2026
Secured Mastercard® with Rewards
Requires 110% of the line to be held and a minimum deposit of $250. Credit limit is up to pledged savings account amount with a maximum of $15,000. Both minimum and maximum APR for the pledged secure loan is 17.99%. Subject to membership eligibility. No annual fee, balance transfer fee, or cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Requires 110% of the line to be held and a minimum deposit of $250. Both minimum and maximum APR is 17.99%. |
Sources (2)
All captured Oct 6, 2026
Who can join OC Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Joining the Ohio Catholic Foundation makes you eligible for membership if your primary residence is in the state of Ohio.
Military, government and schools
- Any member, employee, and student of a Catholic Diocese in the state of Ohio (including its parishes, schools, services, ministries, organizations, or entities) whose primary residence is in Ohio is eligible.
Family and household
- Immediate family or household members of an eligible OC Federal member who have their primary residence in Ohio are eligible.
Cost to join
- Membership requires a $5 minimum opening deposit to a Share Savings account.
Membership information collected October 5, 2026.