Credit union · NCUA insured
Prime Trust Financial Credit Union Credit Card Rates
Prime Trust Financial Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Prime Trust Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near Muncie, IN, where Prime Trust Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Prime Trust Financial Credit Union
9.90%APR
PrimeTrust Platinum Rewards Visa Credit Card
Lowest rate
First County FCU
9.90%APR
3rd-lowest rate
Thrive Credit Union
9.90%APR
Prime Trust Financial Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Prime Trust Financial 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.
PrimeTrust Classic Visa Credit Card
Subject to credit approval. 25-day grace period on purchases when balance is paid in full each month. $0 balance transfer fees and $0 cash advance fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Locked-in non-variable APR for purchases, balance transfers, and cash advances. $0 annual fee. |
| Intro, 6 months | 7.90% | None | Introductory promotional APR for six months from the posting date on balance transfers. |
PrimeTrust Gold Cash-Back Visa Credit Card
Subject to credit approval. Eligibility open to anyone who lives, works, worships, or attends school in the service area, or has an immediate family member who is a member, upon opening a membership share account. 25-day grace period on purchases when balance is paid in full each month. $0 balance transfer fees and $0 cash advance fees. Tiered cash back program (0.50% on purchases between $100.00 and $499.99, 0.75% on purchases over $500.00).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Non-variable fixed APR for purchases, balance transfers, and cash advances. $0 annual fee. |
| Intro, 6 months | 5.90% | None | Introductory promotional APR of 5.9% for the first six months on balance transfers. |
PrimeTrust Platinum Rewards Visa Credit Card
Subject to credit approval. 25-day grace period on purchases when balance is paid in full each month. $0 balance transfer fees and $0 cash advance fees. Earns 1 Bonus Point per $1 spent on purchases with no caps or expiration.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Non-variable APR for purchases, balance transfers, and cash advances. $0 annual fee. |
| Intro, 6 months | 3.90% | None | Introductory promotional APR of 3.9% for the first six months on balance transfers. |
PrimeTrust Visa Launch Credit Card
Credit-building secured credit card. No established credit history needed (requires proof of employment). Subject to credit approval. $0 annual fee. Includes rewards program.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Non-variable APR locked in for purchases, balance transfers, and cash advances. $0 annual fee. |
Who can join Prime Trust Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, work, worship, or attend school in Delaware, Madison, Hamilton, Hancock, or Henry County, Indiana, or are a business/legal entity located in those counties.
Employers and groups
- Residents of Blackford, Grant, Jay, Randolph, or Wabash County qualify by making a minimum deposit of $5 in partnership with Second Harvest Food Bank of East Central Indiana.
Cost to join
- Membership is attained by opening a share savings account.
Membership information collected October 5, 2026.