Credit union · NCUA insured
One Vision Credit Union Credit Card Rates
One Vision Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How One Vision Credit Union’s credit card rates compare
Compared with banks and credit unions near Louisville/Jefferson County, KY-IN, where One Vision Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
One Vision Credit Union
10.90%APR
- Up to
- 16.90% APR
VISA® Credit Card
Lowest rate
Doe Run Federal Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Transcend Credit Union
8.90%APR
- Up to
- 17.90% APR
One Vision Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where One Vision 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.
Secured Cashback Visa Card
Secured by funds deposited in a membership savings account as collateral to back the credit limit. Minimum credit limit is $300.00. Guarantor may be necessary for applicants under 21 years of age. Earns 1.0% cash back on all purchases deposited monthly to savings. Transunion and Experian reporting.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Fixed rate of 10.90% APR. No annual fee. Minimum credit limit $300.00. 1% cash back on all purchases. |
Sources (1)
- onevisionfcu.org/one-vision-vi…rds-credit-card-benefits · captured Oct 7, 2026
VISA® Credit Card
One Vision Credit Union (OVCU) membership is required. Rates based upon creditworthiness. Must be at least 18 years of age (guarantor may be required for applicants under 21). VISA subject to application and credit underwriting. Earns 1% cash back rewards on all OVCU VISA credit card purchases deposited into OVCU rewards savings account monthly.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0.00% APR for first six (6) months of VISA account opening and 1.00% balance transfer fee available for limited time only. No annual fee. |
| Ongoing | 10.90%–16.90% | None | Fixed APR of 10.90% or 16.90% after the first 6 billing cycles, based on approved credit and creditworthiness. No annual fee. |
Who can join One Vision 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 individuals who live, work, worship, or attend school in Clark, Floyd, or Harrison Counties in Indiana.
Family and household
- Immediate family members (related by blood, marriage, or adoption) of members and individuals permanently living within a primary member's household are eligible to join.
Cost to join
- Opening an everyday savings account with $5 is required for membership.
Membership information collected October 5, 2026.