Credit union · NCUA insured
One Credit Union Credit Card Rates
One Credit Union credit cards start at 16.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How One Credit Union’s credit card rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where One Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
One Credit Union
16.00%APR
- Up to
- —
Visa Platinum & Classic Cards
Lowest rate
Heritage Family Credit Union
9.99%APR
- Up to
- —
2nd-lowest rate
Service Credit Union
11.90%APR
- Up to
- 18.00% APR
One Credit Union credit card score
61
Credit card score
Higher than 4% of U.S. banks and credit unions
- Purchase APRPurchase APR16.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where One 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.
Visa Platinum & Classic Cards
No annual fee. Rate is subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.40% | None | Platinum Visa regular variable rate (varies with market based on Prime Rate). After introductory period of 6 billing cycles for purchases/cash advances or 12 billing cycles for balance transfers, APR will be 10.40%. |
| Intro, 6 months | 4.90% | None | Platinum Visa introductory APR for purchases and cash advances for a period of six billing cycles, after which the APR will be 10.40%. |
| Intro, 12 months | 4.90% | None | Platinum Visa introductory APR for balance transfers for a period of 12 billing cycles, after which the APR will be 10.40%. |
| Ongoing | 16.00% | None | Visa Classic fixed rate APR for purchases and cash advances. |
| Intro, 12 months | 8.90% | None | Visa Classic introductory APR for balance transfers for a period of 12 billing cycles, after which the APR will be 16.00%. |
Sources (1)
- onecu.org/rates/index.html · captured Oct 3, 2026
Who can join One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to those who live, work, worship, attend school, or volunteer in any county in Vermont, throughout New Hampshire, or in specified counties across Massachusetts, Maine, and New York.
Family and household
- Membership is open to members of the immediate families of eligible persons.
Other ways
- Membership is open to organizations composed primarily of the same eligible individuals.
Membership information collected October 4, 2026.