Credit union · NCUA insured
Oxford Federal Credit Union Credit Card Rates
Top CarrotOxford Federal Credit Union credit cards start at 6.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Oxford Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Tampa, FL, where Oxford Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Oxford Federal Credit Union
6.90%APR
- Up to
- 17.90% APR
OFCU Visa Credit Card
2nd-lowest rate
Family First Credit Union
8.90%APR
- Up to
- —
3rd-lowest rate
Florida West Coast CU
8.99%APR
- Up to
- —
Oxford Federal Credit Union credit card score
97
Credit card score
Higher than 99% of U.S. banks and credit unions
- Purchase APRPurchase APR6.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oxford Federal 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.
OFCU Visa Credit Card
Interest rate is determined by credit score. Available to members in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York counties in Maine.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 6.90%–17.90% | None | Fixed interest rate determined by credit score (periodic rate of 0.575% to 1.492% per month). No cash advance fee or balance transfer fee. |
Share Secured Visa Credit Card
Spending limit tied to funds secured in OFCU Share/Savings account. Available to members in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, and York counties in Maine.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 4.90% | None | Finance charge is calculated at a periodic rate of 0.408% per month (4.9% APR). Deposit is fully refundable when the card balance is paid in full and account is closed or upgraded. No annual fee. |
Who can join Oxford Federal 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or goes to school in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, or York County in Maine.
Family and household
- Eligible if you are an immediate family member of someone who is already an OFCU member.
- Eligible if you share a residence with someone who is already an OFCU member.
Cost to join
- A $5 minimum deposit is required to open a Share Savings account.
Membership information collected October 4, 2026.