Credit union · NCUA insured
PFCU Credit Card Rates
PFCU credit cards start at 13.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How PFCU’s credit card rates compare
Compared with banks and credit unions near Grand Rapids, MI, where PFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
PFCU
13.00%APR
Preferred VISA
Lowest rate
River Valley Credit Union
7.50%APR
2nd-lowest rate
Muskegon Federal Credit Union
7.90%APR
PFCU credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PFCU 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.
Essentials VISA
Requires PFCU membership (must live, work, worship, or attend school in Michigan, or have an eligible immediate family member, with a one-time $1 membership fee and $5 in savings).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | Variable rates as low as 12.00% APR based on creditworthiness and Prime rate. No annual fee and no balance transfer fee. |
Preferred VISA
Requires PFCU membership (must live, work, worship, or attend school in Michigan, or have an eligible immediate family member, with a one-time $1 membership fee and $5 in savings).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Variable rate as low as 13.00% APR based on market conditions and/or creditworthiness. No balance transfer fee. |
Premier VISA
Requires PFCU membership (must live, work, worship, or attend school in Michigan, or have an eligible immediate family member, with a one-time $1 membership fee and $5 in savings).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.50% | None | Variable rates as low as 14.50% APR based on creditworthiness and Prime rate. Promotional rewards: 3x points on digital purchases, 2x points on fuel, and 1.5x points on all other purchases valid on purchases made between 10/01/2026 and 12/31/2026. No annual fee and no balance transfer fee. |
Who can join PFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.