Credit union · NCUA insured
Partnership Financial Credit Union Credit Card Rates
Partnership Financial Credit Union credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Partnership Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Partnership Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Partnership Financial Credit Union
12.90%APR
PFCU Visa Credit Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
Partnership Financial Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Partnership Financial 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.
PFCU Visa Credit Card
Standard Fixed/Non-Variable Rate Card. No annual service charge. Subject to qualification, minimum credit score restrictions, and standard PFCU underwriting guidelines.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Standard Fixed/Non-Variable Rate Card as low as 12.9% APR. Rates subject to risk-based pricing, minimum credit score restrictions, and standard underwriting guidelines. |
| Intro, 6 months | 0.99% | None | Promotional rate of 0.99% APR for 6 months on home improvement transactions completed between June 1, 2026, and September 1, 2026. Available only on purchase transactions with MCCs: 5072, 5200, 5251, 5211, 5198, 5231, 5713. |
| Intro, 12 months | 1.99% | None | Balance transfers made from 2/01/2026 through 5/01/2026 will receive 1.99% APR for 12 months from date of transfer. After promotional period, remaining balances migrate to standard APR. 1% balance transfer fee applies. |
| Intro, 6 months | 0.00% | None | 0% promotional APR for 6 billing cycles / 6 months from date of transfer on transferred balances. 1% balance transfer fee applies. After 6 billing cycles, reverts to standard APR. |
Who can join Partnership Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work within the defined geographic area bounded by the Illinois/Wisconsin border on the north, North Avenue (Route 64) on the south, Lake Michigan on the east, Route 47 on the west, and the townships of Lyons, Proviso, York, and Leyden are eligible for membership.
Employers and groups
- Individuals employed by one of PFCU's Select Employee Groups are eligible for membership.
Family and household
- Immediate family members of existing members are eligible for membership regardless of where they live or work.
Membership information collected October 5, 2026.