Credit union · NCUA insured
PECU Credit Card Rates
Top CarrotPECU credit cards start at 7.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How PECU’s credit card rates compare
Compared with banks and credit unions near Austin, TX, where PECU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
PECU
7.99%APR
- Up to
- —
Platinum MasterCard
Lowest rate
Government Employees FCU
6.99%APR
- Up to
- —
3rd-lowest rate
Farmers Insurance Federal Credit Union
8.99%APR
- Up to
- 18.00% APR
PECU credit card score
93
Credit card score
Higher than 94% of U.S. banks and credit unions
- Purchase APRPurchase APR7.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PECU 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.
Gold MasterCard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | — |
Sources (2)
- pecutx.org/services/helpful-links/rates.html
- pecutx.org/bank/atx-flex-rewards-checking/cash-back.html
All captured Oct 7, 2026
Platinum MasterCard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.99% | None | — |
Sources (2)
- pecutx.org/services/helpful-links/rates.html
- pecutx.org/bank/atx-flex-rewards-checking/cash-back.html
All captured Oct 7, 2026
Regular MasterCard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50% | None | — |
Sources (2)
- pecutx.org/services/helpful-links/rates.html
- pecutx.org/bank/atx-flex-rewards-checking/cash-back.html
All captured Oct 7, 2026
Share Secured MasterCard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | — |
Sources (2)
- pecutx.org/services/helpful-links/rates.html
- pecutx.org/bank/atx-flex-rewards-checking/cash-back.html
All captured Oct 7, 2026
Who can join PECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, or attends school within a 10-mile radius of any PECU office.
- Membership is open to anyone who lives, works, worships, or attends school in Travis County.
- Membership is open to anyone who lives, works, worships, or attends school in Williamson County.
- Membership is open to anyone who lives, works, worships, or attends school in Bastrop County and Hays County.
Membership information collected October 5, 2026.