Credit union · NCUA insured
OUCU Financial Credit Card Rates
OUCU Financial credit cards start at 11.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How OUCU Financial’s credit card rates compare
Compared with banks and credit unions near Columbus, OH, where OUCU Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OUCU Financial
11.75%APR
- Up to
- 20.75% APR
VISA Platinum
Lowest rate
Scott Associates Credit Union Inc
8.99%APR
- Up to
- 15.99% APR
2nd-lowest rate
State Highway Patrol Federal Credit Union
8.99%APR
- Up to
- —
OUCU Financial credit card score
74
Credit card score
Higher than 37% of U.S. banks and credit unions
- Purchase APRPurchase APR11.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OUCU 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.
VISA Platinum
Open to members living, working, worshiping, or attending school in Athens, Fairfield, Hocking, Meigs, Morgan, Perry, or Washington counties. Variable rates based on the Prime Rate. No annual fee. 1% foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory promotional offer: 0% Intro APR for 12 months on purchases and balance transfers made in the first 90 days. Balance transfers must be from a non-OUCU card or loan; balance transfer fee is $10 or 2% of the amount of each transfer, whichever is greater. |
| Ongoing | 11.75%–20.75% | None | Standard variable APR. No annual fee. |
Sources (3)
- oucu.org/borrow/credit-cards/visa-credit-cards
- oucu.org/borrow/credit-cards/v…t-cards/balance-transfer
- oucu.org/rates
All captured Sep 17, 2026
VISA Platinum Rewards
Open to members living, working, worshiping, or attending school in Athens, Fairfield, Hocking, Meigs, Morgan, Perry, or Washington counties. Variable rates based on the Prime Rate. No annual fee. 1% foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory promotional offer: 0% Intro APR for 12 months on purchases and balance transfers made in the first 90 days. Balance transfers must be from a non-OUCU card or loan; balance transfer fee is $10 or 2% of the amount of each transfer, whichever is greater. |
| Ongoing | 14.75%–22.75% | None | Standard variable APR. No annual fee. |
Sources (3)
- oucu.org/borrow/credit-cards/visa-credit-cards
- oucu.org/borrow/credit-cards/v…t-cards/balance-transfer
- oucu.org/rates
All captured Sep 17, 2026
Visa Unlimited Cash Back Credit Card
Open to members living, working, worshiping, or attending school in Athens, Fairfield, Hocking, Meigs, Morgan, Perry, or Washington counties. Variable rates based on the Prime Rate. No annual fee. 1% foreign transaction fee. 4% gas and travel, 3% dining out, 2% groceries subject to an annual $15,000 aggregate spend limit, then 1% cash back.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Intro APR for 12 months on purchases made in the first 90 days (or three months) from account opening. |
| Ongoing | 15.74%–22.74% | None | Variable APR based on the Prime Rate. No annual fee. |
Sources (4)
- oucu.org/borrow/credit-cards/visa-credit-cards
- oucu.org/rates
- oucu.org/borrow/credit-cards
- oucu.org/borrow/credit-cards/v…ed-cash-back-credit-card
All captured Oct 16, 2026
Who can join OUCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Ohio residents outside the primary counties qualify for membership by joining the American Consumer Council at no cost.
Where you live or work
- Individuals who live, work, worship, or attend school in Athens, Fairfield, Hocking, Meigs, Morgan, Perry, Vinton, or Washington County are eligible for membership.
Employers and groups
- Individuals belonging to one of the qualifying association groups qualify for membership.
- Employees working for a select partner company qualify for membership.
Military, government and schools
- Active and retired employees, students, or alumni of Ohio University or Hocking College are eligible for membership.
Family and household
- Individuals who have a family member eligible for membership qualify to join.
Cost to join
- Membership in the American Consumer Council is free with no cost to join.
Membership information collected October 5, 2026.