Credit union · NCUA insured
Prospera Credit Union Credit Card Rates
Prospera Credit Union credit cards start at 12.65% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Prospera Credit Union’s credit card rates compare
Compared with banks and credit unions near Oshkosh, WI, where Prospera Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Prospera Credit Union
12.65%APR
- Up to
- 20.65% APR
Prospera VISA Platinum
Lowest rate
Community First Credit Union
8.99%APR
- Up to
- —
2nd-lowest rate
Oshkosh Community Credit Union
9.49%APR
- Up to
- —
Prospera Credit Union credit card score
69
Credit card score
Higher than 25% of U.S. banks and credit unions
- Purchase APRPurchase APR12.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Prospera 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.
Prospera VISA Platinum
Rates based on creditworthiness, account relationship, and credit score. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–20.65% | None | Standard rate for Purchases. APR will vary with market based on Prime Rate. Revolving term. |
| Intro, 12 months | 3.99% | None | Special introductory rate for Balance Transfers for first 12 months from opening account. Balance transfers from another Prospera card do not qualify. After promotional period, APR will be 13.65% to 23.65% based on creditworthiness and card choice. |
| Intro, 12 months | 5.99% | None | Special introductory rate for Purchases for first 12 months from opening account. After promotional period, APR will be 13.65% to 23.65% based on creditworthiness and card choice. |
Sources (2)
All captured Oct 16, 2026
Prospera VISA Rewards
Rates based on creditworthiness, account relationship, and credit score. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.65%–22.65% | None | Standard rate for Purchases. APR will vary with market based on Prime Rate. Revolving term. |
| Intro, 12 months | 3.99% | None | Special introductory rate for Balance Transfers for first 12 months from opening account. Balance transfers from another Prospera card do not qualify. After promotional period, APR will be 13.65% to 23.65% based on creditworthiness and card choice. |
| Intro, 12 months | 5.99% | None | Special introductory rate for Purchases for first 12 months from opening account. After promotional period, APR will be 13.65% to 23.65% based on creditworthiness and card choice. |
Sources (2)
All captured Oct 16, 2026
Who can join Prospera Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living or working in Wisconsin’s Outagamie, Winnebago, Brown, Calumet, Waupaca, Manitowoc, Waushara, Shawano, and Fond du lac counties is eligible for membership.
Employers and groups
- Printpac Acquisitions, Inc., a Wisconsin based company.
- Employees of RR Donnelly and all its solely owned subsidiary companies are eligible for membership.
Military, government and schools
- Teachers, administration, and students of Fox Valley Technical College and University of Wisconsin Center Fox Valley are eligible for membership.
- University of Wisconsin Oshkosh (UWO) current and previous university staff, academic staff, faculty, any employee of the organization currently holding the food service contract for UWO, and any officially recognized Association of UWO are eligible for membership.
- UWO students currently enrolled, previously enrolled, alumni, and/or who completed any classes at UWO are eligible for membership.
1 more way to join
Family and household
- Immediate family members of any other eligible person are eligible for membership.
Membership information collected October 5, 2026.