Credit union · NCUA insured
Pinpoint Federal Credit Union Credit Card Rates
Pinpoint Federal Credit Union credit card rates start at 6.74% APR. Rates checked October 16, 2026.
How Pinpoint Federal Credit Union’s credit card rates compare
Compared with banks and credit unions in Pennsylvania, where Pinpoint Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Pinpoint Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Americo FCU
6.75%APR
- Up to
- 18.00% APR
2nd-lowest rate
New Cumberland Federal Credit Union
6.90%APR
- Up to
- —
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.
Platinum Rewards
Qualified borrowers can get up to $20,000 in credit. Requires good credit. Interest rate and credit limit determined by TransUnion FICO score, gross monthly income, and debt-to-income ratio.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.00% | None | Promotional rate offered on balance transfers posted within the first 6 months for new platinum cardholders; valid for 6 months from effective date of qualifying balance transfer transaction. |
| Ongoing | 6.74% | None | Rate after balance transfer promo expires. Interest rate determined by TransUnion FICO score, gross monthly income, and debt-to-income ratio. |
Sources (1)
- pinpointfcu.org/credit-cards · captured Oct 7, 2026
Who can join Pinpoint Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, retirees, members, attendees, and immediate family or household members associated with listed sponsor companies, churches, and community organizations are eligible for membership.
- Members of the Smarter Savings Association (SSA) or individuals interested in a no-cost membership to SSA who agree to receive financial education material are eligible for membership.
Military, government and schools
- U.S. Veterans, members of the National Credit Union Coalition for America’s Heroes (NCUCAH), or those interested in a no-cost membership to NCUCAH are eligible for membership.
- Students at a school in the Lewisburg Area School District (PA) are eligible for membership.
- Students at a school in the Line Mountain School District (PA) are eligible for membership.
- Students at a school in the Milton Area School District (PA) are eligible for membership.
11 more ways to join
Military, government and schools
- Students at a school in the Shikellamy School District (PA) are eligible for membership.
- Students at a school in the Warrior Run School District (PA) are eligible for membership.
Family and household
- Immediate family members (parent, grandparent, or sibling) of a current Pinpoint Member are eligible for membership.
- Immediate family members (parent, grandparent, or sibling) of a student in the Lewisburg Area School District (PA) are eligible for membership.
- Immediate family members (parent, grandparent, or sibling) of a student in the Line Mountain School District (PA) are eligible for membership.
- Immediate family members (parent, grandparent, or sibling) of a student in the Milton Area School District (PA) are eligible for membership.
- Immediate family members (spouse, parent, grandparent, or sibling) of a U.S. Veteran or member of NCUCAH are eligible for membership.
- Immediate family members (parent, grandparent, or sibling) of a student in the Shikellamy School District (PA) are eligible for membership.
- Immediate family members (spouse, parent, grandparent, or sibling) of a Smarter Savings Association member are eligible for membership.
- Immediate family members (parent, grandparent, or sibling) of a student in the Warrior Run School District (PA) are eligible for membership.
- Individuals who live in the same household as a current Pinpoint Member are eligible for membership.
Membership information collected October 5, 2026.