Credit union · NCUA insured
Puerto Rico Federal Credit Union Credit Card Rates
Puerto Rico Federal Credit Union credit cards start at 9.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Puerto Rico Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near San Juan, PR, where Puerto Rico Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Puerto Rico Federal Credit Union
9.75%APR
- Annual fee
- $15
- Up to
- —
Tarjeta Regular
Lowest rate
Caribe Federal Credit Union
8.99%APR
- Annual fee
- None
- Up to
- 18.00% APR
3rd-lowest rate
Banco Popular de Puerto Rico
10.99%APR
- Annual fee
- None
- Up to
- —
Puerto Rico Federal Credit Union credit card score
81
Credit card score
Higher than 57% of U.S. banks and credit unions
- Purchase APRPurchase APR9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Puerto Rico Federal 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.
Tarjeta Dorada
Sujeto a aprobación de crédito y parámetros crediticios establecidos por la Cooperativa. Ciertas restricciones aplican.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | $20 | Línea de crédito desde $5,001 hasta $15,000. Tasa determinada en base al historial de crédito. Cuota anual de $20.00. |
Sources (3)
- prfedcu.com/wp-content/uploads…Socios-Mayo-2019-002.pdf
- prfedcu.com/bank_account_cat/tarjeta-mastercard
- prfedcu.com/loan/tarjeta-credito
All captured Oct 3, 2026
Tarjeta Estudiantil
Disponible para jóvenes socios de cuentas juveniles; le permite al joven iniciar su historial crediticio. Sujeto a aprobación de crédito y cualificación.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Línea de crédito de $500 hasta $2,500. Tasa determinada en base al historial de crédito. |
Sources (3)
- prfedcu.com/wp-content/uploads…Socios-Mayo-2019-002.pdf
- prfedcu.com/bank_account_cat/tarjeta-mastercard
- prfedcu.com/loan/tarjeta-credito
All captured Oct 3, 2026
Tarjeta Regular
Sujeto a aprobación de crédito y parámetros crediticios establecidos por la Cooperativa. Ciertas restricciones aplican.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | $15 | Línea de crédito desde $500 hasta máximo de $5,000. Tasa determinada en base al historial de crédito. Cuota anual de $15.00. |
Sources (3)
- prfedcu.com/wp-content/uploads…Socios-Mayo-2019-002.pdf
- prfedcu.com/bank_account_cat/tarjeta-mastercard
- prfedcu.com/loan/tarjeta-credito
All captured Oct 3, 2026
Who can join Puerto Rico Federal 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 who resides, works, studies, or congregates in the North area (Área Norte) and neighboring towns qualifies for membership.
Employers and groups
- Employees and retirees of affiliated companies, sectors, or entities qualify for membership.
Family and household
- Immediate family members (spouse, children, siblings, parents, grandparents, or grandchildren) of employees or retirees of affiliated companies or entities qualify for membership.
- Spouses of members who passed away while being members of the credit union qualify for membership.
Other ways
- Employees and members of the Museo de Arte de Ponce de Puerto Rico (MAP), or individuals who contribute a donation to MAP, qualify for membership.
Cost to join
- Eligible persons can become members by completing the application and contributing a minimum of $5.00 biweekly or corresponding pay period (equivalent to one share) to the regular share account.
Membership information collected October 4, 2026.