Credit union · NCUA insured
P&S Credit Union Credit Card Rates
Top CarrotP&S Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How P&S Credit Union’s credit card rates compare
Compared with banks and credit unions near Atlanta, GA, where P&S Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
P&S Credit Union
9.90%APR
- Up to
- —
VISA® Platinum
Lowest rate
Faith Connection FCU
8.90%APR
- Up to
- 17.90% APR
2nd-lowest rate
Family First Credit Union
8.90%APR
- Up to
- 17.90% APR
P&S Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where P&S 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.
VISA® Platinum
Rates advertised are Credit Union's best rates, subject to credit approval and may change without notice. No annual fee. 25-day grace period on all purchases. Credit limits up to $10,000 based on credit worthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 4.99% | None | New card holder special: Purchase and Balance Transfers for 6 Months. Fixed (as low as). |
| Ongoing | 9.90% | None | Regular rate: After both specials. Fixed (as low as). |
Sources (1)
- pandscu.org/visa-credit-cards · captured Oct 4, 2026
Who can join P&S 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This may be incomplete or out of date, so check with the credit union before you apply.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 residents of Salt Lake County.
Employers and groups
- Membership is open to Boilermakers & Welders Local #182.
- Membership is open to former employees and their family of Elias Morris & Sons Co. (EMSCO).
- Membership is open to Heat & Frost Insulators Local #69.
- Membership is open to Iron Workers Local #27.
- Membership is open to U.A. Local 140 Pipefitters, Plumbers, HVAC & R.
4 more ways to join
Military, government and schools
- Membership serves Utah Career Center.
- Membership is open to Utah Prison Employees (Former UPECU Credit Union Members).
Family and household
- Membership is open to family members of current members.
- Membership is open to family members of Local Union members.
Cost to join
- A $25 Share (Savings) Account deposit is required to establish membership.
Membership information collected October 4, 2026.