Credit union · NCUA insured
Pheple FCU Credit Card Rates
Top CarrotPheple FCU credit cards start at 9.49% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How Pheple FCU’s credit card rates compare
Compared with banks and credit unions near Pittsburgh, PA, where Pheple FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Pheple FCU
9.49%APR
Platinum Credit Card
Lowest rate
SouthWest Communities Federal Credit Union
7.00%APR
2nd-lowest rate
Pittsburgh Firefighters' Federal Credit Union
7.99%APR
Pheple FCU credit card score
87
Credit card score
Higher than 80% of U.S. banks and credit unions
- Purchase APRPurchase APR9.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Pheple 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.
Credit Builder Credit Card
Underwriting guidelines apply. Rate based on creditworthiness. Foreign transaction fees apply to international transactions.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Rate shown as low as 9.99% APR. Subject to credit approval. |
Sources (1)
- pheplefcu.org/loan-rates · captured Oct 7, 2026
Platinum Credit Card
Limits up to $30,000. Underwriting guidelines and creditworthiness apply. Foreign transaction fee applies to international transactions. Zero balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.49% | None | Standard rate. Limits up to $30,000. Rate based on creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory rate on purchases for 12 billing cycles (one year) from account opening; then reverts to standard fixed rate. |
| Intro, 12 months | 2.99% | None | Promotional rate for 12 billing cycles (one year) on balance transfers from balance transfer date; zero balance transfer fee; reverts to standard fixed rate. |
Platinum Credit Card for Students
Designed to help students build good credit with responsible use. Limits up to $500. Underwriting guidelines apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.99% | None | Limits up to $500. Rate shown as low as 7.99% APR. |
Secured Platinum Credit Card
Limits up to $30,000. Secured credit card. Underwriting guidelines apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.49% | None | Limits up to $30,000. Rate shown as low as. |
Sources (1)
- pheplefcu.org/credit-card · captured Oct 7, 2026
Who can join Pheple FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Allegheny, Armstrong, Fayette, Washington, or Westmoreland Counties are eligible for membership.
Family and household
- Immediate family members of individuals who live, work, worship, or attend school in Allegheny, Armstrong, Fayette, Washington, or Westmoreland Counties are eligible for membership.
Cost to join
- A $5 deposit into a share savings account is required to become a member.
Membership information collected October 5, 2026.