Credit union · NCUA insured
Orion Financial Credit Card Rates
Top CarrotOrion Financial credit cards start at 18.24% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Orion Financial’s credit card rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Orion Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Orion Financial
18.24%APR
- Up to
- —
The Orion Financial Rewards Card
Lowest rate
LGWFCU
7.90%APR
- Up to
- 16.90% APR
2nd-lowest rate
Memphis City Employees Credit Union
7.90%APR
- Up to
- 16.90% APR
Orion Financial credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR18.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Orion Financial 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.
College Credit Card
For students pursuing higher education, technical training, certifications, or other educational goals. Applicants must be residents of Tennessee, Arkansas, or Mississippi (existing members outside of service area may contact Orion).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Rates as low as 17.99% APR. No annual fee. |
Sources (1)
- orionfcu.com/personal-banking/credit-cards · captured Oct 5, 2026
The Orion Financial Card
Applicants must be a resident of Tennessee, Arkansas, or Mississippi (existing members outside of service area may contact Orion).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for six months from account opening on purchases. May end if a late payment is made. |
| Ongoing | 11.99%–17.99% | None | Standard variable APR for purchases after introductory period, depending on credit history and varying with the market based on the Prime Rate. |
| Ongoing | 17.24%–17.99% | None | Standard variable APR for cash advances depending on credit history and varying with the market based on the Prime Rate. |
| Ongoing | 12.24% | None | Variable APR as low as 12.24% APR after introductory period. |
Sources (2)
All captured Oct 5, 2026
The Orion Financial Rewards Card
Applicants must be a resident of Tennessee, Arkansas, or Mississippi (existing members outside of service area may contact Orion).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for six months from account opening on purchases. May end if a late payment is made. |
| Ongoing | 17.99% | None | Standard variable APR for purchases, balance transfers, and cash advances depending on credit history and varying with the market based on the Prime Rate. |
| Ongoing | 17.99% | None | 0% APR for the First 6 Months, then rates as low as 17.99% APR. No annual fee. Earn 1.5 points for every $1 spent. |
Sources (2)
All captured Oct 5, 2026
Who can join Orion Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.