Credit union · NCUA insured
People First Federal Credit Union Credit Card Rates
Top CarrotPeople First Federal Credit Union credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How People First Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Allentown, PA-NJ, where People First Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
People First Federal Credit Union
12.40%APR
- Up to
- 18.00% APR
Visa® Platinum Card
Lowest rate
Allentown Federal Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
AmericanBank
9.99%APR
- Up to
- —
People First Federal Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where People First 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® Platinum Card
Variable rate based on Wall Street Journal Prime Rate plus a margin of 5.65% to 14.65%. No annual fee, balance transfer fee, or cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory 2.90% APR on purchases, balance transfers, and cash advances for the first 6 billing cycles after account opening for new cardholders; reverts to qualified standard variable rate. |
| Ongoing | 12.40%–18.00% | None | Standard variable rate based on the Prime Rate plus a margin of 5.65% to 14.65%. Maximum APR is 18.00%. |
Visa® Platinum Rewards Card
Variable rate based on Wall Street Journal Prime Rate plus a margin of 6.65% to 9.65%. No annual fee, balance transfer fee, or cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory 2.90% APR on purchases, balance transfers, and cash advances for the first 6 billing cycles after account opening for new cardholders; reverts to qualified standard variable rate. |
| Ongoing | 13.40%–16.40% | None | Standard variable rate based on the Prime Rate plus a margin of 6.65% to 9.65%. |
Visa® Platinum Secured Card
Requires a refundable security deposit of $500 to $10,000 used to establish credit limit. $20 annual fee. No balance transfer fee or cash advance fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | $20 | Variable rate based on Prime Rate plus a margin of 5.65%. Requires refundable security deposit between $500 and $10,000 to establish credit limit. Same low rate for purchases, balance transfers, and cash advances. |
Visa® Signature Cashback Card
Variable rate based on Wall Street Journal Prime Rate plus a margin of 7.65% to 10.65%. No annual fee, balance transfer fee, cash advance fee, or foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40%–17.40% | None | Variable rate based on the Prime Rate plus a margin of 7.65% to 10.65%. Same low rate for purchases, balance transfers, and cash advances. |
Who can join People First Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.