Credit union · NCUA insured
OUR Credit Union Credit Card Rates
OUR Credit Union credit cards start at 8.95% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How OUR Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where OUR Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OUR Credit Union
8.95%APR
- Up to
- 18.95% APR
OUR Credit Union Visa - Amazing Low Rate
Lowest rate
Construction Federal Credit Union
6.87%APR
- Up to
- —
2nd-lowest rate
Polish-American FCU
6.90%APR
- Up to
- —
OUR Credit Union credit card score
89
Credit card score
Higher than 86% of U.S. banks and credit unions
- Purchase APRPurchase APR8.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OUR 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.
OUR Credit Union Visa - Amazing Low Rate
Must qualify for membership. Purchase and balance transfer rates range from 8.95% to 18.95% APR based on credit history and card selection.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.95%–18.95% | None | Regular rate as low as 8.95% APR; purchase rates range from 8.95% to 18.95% APR based on credit history. |
| Intro, 6 months | 2.99% | None | Balance transfer promotional special for up to 6 months (as low as 2.99% APR). After 6 months, APR will be as low as 8.95% based on credit history and card selection. Not valid with existing OUR Credit Union balances. |
Sources (1)
- ourcuonline.org/visa-credit-card · captured Oct 17, 2026
OUR Credit Union Visa - Great Rate with Rewards
Must qualify for membership. Rewards with OUR Score Card. Purchase and balance transfer rates range from 8.95% to 18.95% APR based on credit history and card selection.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.95%–18.95% | None | Regular rate as low as 10.95% APR; purchase and balance transfer rates range up to 18.95% APR based on credit history and card selection. |
| Intro, 6 months | 2.99% | None | Balance transfer promotional special for up to 6 months (as low as 2.99% APR). After that, the APR will be 'as low as' 8.95%, based on credit history and card selection. Not valid with existing OUR Credit Union balances. |
Sources (1)
- ourcuonline.org/visa-credit-card · captured Oct 17, 2026
Who can join OUR Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Michigan is eligible to join.
Employers and groups
- Legal entities comprised mostly of the membership group are eligible.
Family and household
- Immediate family members of eligible individuals are eligible to join.
- Spouses of deceased members are eligible if accepted into membership prior to remarriage.
Other ways
- Persons receiving retirement payments who live in or belong to a retirement organization in the principal place of business county or contiguous county are eligible.
Cost to join
- Members are required to maintain a $5 share deposit in a Savings Account.
Membership information collected October 5, 2026.