Credit union · NCUA insured
Preferred Credit Union Credit Card Rates
Preferred Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Preferred Credit Union’s credit card rates compare
Compared with banks and credit unions near Grand Rapids, MI, where Preferred Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Preferred Credit Union
9.99%APR
PCU Platinum Visa® Credit Card
Lowest rate
River Valley Credit Union
7.50%APR
2nd-lowest rate
Muskegon Federal Credit Union
7.90%APR
Preferred Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Preferred 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.
PCU Platinum Visa® Credit Card
Membership eligibility requires direct relation to an existing member, living/working/attending school/worshiping in specified Michigan counties, certain retirees, or employees/members of employer groups within 25 miles of a branch.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Lowest percentage rate available; APR may be higher depending on credit score and credit history. 28-day grace period. |
Sources (3)
- preferredcu.org/preferred-banking/member-disclosures
- preferredcu.org/rates
- preferredcu.org/creditcards
All captured Oct 5, 2026
Who can join Preferred Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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, attend school, or worship in specified Michigan counties are eligible for membership.
Employers and groups
- Employees or members of employer groups located within 25 miles of any branch office are eligible for membership.
Family and household
- Individuals who have a verifiable direct relation to an existing member are eligible for membership.
Other ways
- Individuals receiving retirement payments who live in or belong to a retirement organization in the county (or contiguous county) where the principal place of business is located are eligible.
Membership information collected October 5, 2026.