Credit union · NCUA insured
Panhandle Federal Credit Union Credit Card Rates
Panhandle Federal Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Panhandle Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Arkansas City, KS, where Panhandle Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Panhandle Federal Credit Union
9.99%APR
Visa Credit Card
Lowest rate
Mid American Credit Union
9.90%APR
3rd-lowest rate
Ark Valley Credit Union
11.00%APR
Panhandle Federal Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Panhandle 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.
Visa Credit Card
PFCU services credit cards in house (inquire on balances, make payments, request increases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | No Annual Fees |
Sources (1)
- panhandlefcu.com/loans.php · captured Oct 7, 2026
Who can join Panhandle 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This may be incomplete or out of date, so check with the credit union before you apply.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 attends school in Sumner, Cowley, Chautauqua, or Elk Counties.
Employers and groups
- Membership is open to healthcare employees in Butler County.
Family and household
- Membership is open to families of healthcare employees in Butler County.
Membership information collected October 4, 2026.