Credit union · Privately insured
OHecu Credit Card Rates
OHecu credit cards start at 10.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How OHecu’s credit card rates compare
Compared with banks and credit unions near Cleveland, OH, where OHecu has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OHecu
10.00%APR
- Up to
- 21.00% APR
VISA® Platinum (No Rewards)
Lowest rate
7 17 Credit Union
7.17%APR
- Up to
- 22.99% APR
2nd-lowest rate
Achieve CU
8.90%APR
- Up to
- —
OHecu credit card score
81
Credit card score
Higher than 57% of U.S. banks and credit unions
- Purchase APRPurchase APR10.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OHecu 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® Platinum (No Rewards)
No rewards program, offering a lower interest rate. No annual fee. Maximum APR is 25%. Minimum finance charge of $0.50 for purchases and cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.25%–21.25% | None | Variable APR based on Prime Rate when opening account based on creditworthiness. Tier A+ margin is Prime + 3.00%, Tier A is Prime + 5.00%, Tier B is Prime + 8.00%, Tier C is Prime + 12.00%, Tier D is Prime + 14.00%. Maximum APR is 25%. Minimum finance charge is $0.50. |
| Ongoing | 12.25%–23.25% | None | Variable APR based on Prime Rate when opening account based on creditworthiness. Fee of either $10 or 3% of the amount of each transfer, whichever is greater. Tier margins for cash advances/balance transfers range from Prime + 5.00% to Prime + 16.00%. Maximum APR is 25%. |
Sources (3)
- ohecu.com/visa-disclosure
- ohecu.com/credit-cards
- ohecu.com/files/ohecu20/1/file…closure%2009-18-2025.pdf
All captured Oct 16, 2026
VISA® Platinum Rewards
Earn rewards points on purchases redeemable for merchandise, cash back, or travel. No annual fee. Maximum APR is 25%. Minimum finance charge of $0.50 for purchases and cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.25%–22.25% | None | Variable APR based on Prime Rate when opening account based on creditworthiness. Tier A+ margin is Prime + 4.00%, Tier A is Prime + 6.00%, Tier B is Prime + 9.00%, Tier C is Prime + 13.00%, Tier D is Prime + 15.00%. Maximum APR is 25%. Minimum finance charge is $0.50. |
| Ongoing | 13.25%–24.25% | None | Variable APR based on Prime Rate when opening account based on creditworthiness. Fee of either $10 or 3% of the amount of each transfer, whichever is greater. Tier margins for cash advances/balance transfers range from Prime + 6.00% to Prime + 17.00%. Maximum APR is 25%. |
Sources (3)
- ohecu.com/visa-disclosure
- ohecu.com/credit-cards
- ohecu.com/files/ohecu20/1/file…closure%2009-18-2025.pdf
All captured Oct 16, 2026
Who can join OHecu
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of businesses partnered with OHecu through the Select Employer Group (SEG) program are eligible for membership.
Military, government and schools
- Employees and retirees of educational institutions in Ohio are eligible for membership.
- Individuals of organizations in Ohio that incorporate schools or educational programs in their general operations are eligible for membership.
- Students and alumni of educational institutions in Ohio are eligible for membership.
- Individuals in Ohio offering educational services or activities, such as tutors, are eligible for membership.
Family and household
- Relatives of existing members (including spouse, child, sibling, parent, grandparent, or grandchild) are eligible for membership.
Membership information collected October 5, 2026.