Credit union · NCUA insured
People's Credit Union Credit Card Rates
People's Credit Union credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How People's Credit Union’s credit card rates compare
Compared with banks and credit unions near Providence, RI-MA, where People's Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
People's Credit Union
12.74%APR
Low-Rate Credit Card
Lowest rate
Ocean State Credit Union
8.90%APR
2nd-lowest rate
Arise Financial
9.90%APR
People's Credit Union credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where People's 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.
Low-Rate Credit Card
No annual fee. Features low interest rates for members who carry a balance month to month.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% APR for 12 months (first 12 billing cycles) on purchases made in the first 90 days. Advertised rate based on a credit score of 700 or higher. |
| Ongoing | 12.74% | None | Lowest ongoing purchase APR starting as low as 12.74%. Advertised rate based on a credit score of 700 or higher. Varies with the market based on Wall Street Prime and creditworthiness. |
| Ongoing | 12.49%–15.99% | None | Ongoing variable purchase APR after 12-cycle intro period. Advertised rate based on a credit score of 700 or higher. Varies with the market based on Wall Street Prime and creditworthiness. |
| Ongoing | 13.24% | None | Stated as APR starting as low as 13.24% in card description prose. |
Sources (1)
- peoplescu.com/personal/read-to…or-your-next-credit-card · captured Oct 22, 2026
Rewards Credit Card
No annual fee. Earn 1.50x points on all purchases, redeemable for merchandise or cash back.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% fixed introductory APR through first 12 billing cycles on purchases made in the first 90 days. Advertised APR based on credit score of 700 or higher. |
| Ongoing | 16.24% | None | Lowest ongoing purchase APR starting as low as 16.24%. Advertised APR based on a credit score of 700 or higher. Varies with the market based on Wall Street Prime & creditworthiness. |
| Ongoing | 15.99%–18.00% | None | Lowest APR for purchases in card comparison table. Variable APR after first 12 billing cycles. Varies with market based on Wall Street Prime & creditworthiness. |
Sources (1)
- peoplescu.com/personal/read-to…or-your-next-credit-card · captured Oct 22, 2026
Savings Secured Credit Card
No annual fee. Requires opening a savings account to guarantee the credit line; designed to establish or improve credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% fixed introductory APR through first 12 billing cycles on purchases made in the first 90 days. Advertised APR based on credit score of 700 or higher. |
| Ongoing | 7.00% | None | Lowest ongoing purchase APR starting as low as 7.00%. Advertised APR based on a credit score of 700 or higher. Varies with the market based on Wall Street Prime & creditworthiness. |
| Ongoing | 6.75% | None | Lowest APR for purchases in card comparison table. Variable APR after first 12 billing cycles. Varies with market based on Wall Street Prime & creditworthiness. |
Sources (1)
- peoplescu.com/personal/read-to…or-your-next-credit-card · captured Oct 22, 2026
Who can join People's Credit Union
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