Credit union · NCUA insured
Peoples Advantage FCU Credit Card Rates
Top CarrotPeoples Advantage FCU credit cards start at 9.95% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Peoples Advantage FCU’s credit card rates compare
Compared with banks and credit unions near Richmond, VA, where Peoples Advantage FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Peoples Advantage FCU
9.95%APR
- Up to
- —
Visa Classic
Lowest rate
Hopewell Chemical FCU
6.90%APR
- Up to
- 16.99% APR
2nd-lowest rate
FirePolice CU
7.90%APR
- Up to
- —
Peoples Advantage FCU credit card score
83
Credit card score
Higher than 64% of U.S. banks and credit unions
- Purchase APRPurchase APR9.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Peoples Advantage FCU 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 Classic
Rates non-variable. Eligibility and rate based on credit history/credit approval. No annual fee, no balance transfer fee. Average daily balance calculation method.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95%–15.95% | None | APR for purchases based on credit approval. Effective date 12/01/2021. |
| Ongoing | 9.95% | None | Rate as low as. Individual rates based on credit worthiness. Subject to loan officer approval. Effective date 12-1-2024. |
Sources (3)
- peoplesadvfcu.org/visa-rewards-visa-classic
- peoplesadvfcu.org/credit-cards
- peoplesadvfcu.org/loan-rates
All captured Oct 7, 2026
Visa Rewards
Rates non-variable. Eligibility and rate based on credit history/credit approval. Extra Awards Program. No annual fee, no balance transfer fee. Average daily balance calculation method.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.95%–17.95% | None | APR for purchases based on credit approval. Effective date 12/01/2021. |
Sources (2)
All captured Oct 7, 2026
Visa Secured Classic
Great card for building credit. Non-variable rate. Eligibility and rate based on credit history. No annual fee, no balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.95% | None | Rates as low as. Non-variable rate. Eligibility and rate are based on credit history. |
Sources (1)
- peoplesadvfcu.org/credit-cards · captured Oct 7, 2026
Visa Secured Rewards
Great card for rebuilding credit. Extra Awards Program. Non-variable rate. Eligibility and rate based on credit history. No annual fee, no balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.95% | None | Rates as low as. Non-variable rate. Eligibility and rate are based on credit history. |
Sources (1)
- peoplesadvfcu.org/credit-cards · captured Oct 7, 2026
Who can join Peoples Advantage FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.