Credit union · NCUA insured
RTP Federal Credit Union Credit Card Rates
RTP Federal Credit Union credit cards start at 10.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How RTP Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Raleigh, NC, where RTP Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
RTP Federal Credit Union
10.00%APR
- Up to
- 16.00% APR
Visa Platinum Credit Card
Lowest rate
Summit Credit Union
8.95%APR
- Up to
- 16.95% APR
2nd-lowest rate
ElecTel Cooperative Federal Credit Union
9.90%APR
- Up to
- —
RTP Federal Credit Union credit card score
81
Credit card score
Higher than 57% of U.S. banks and credit unions
- Purchase APRPurchase APR10.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where RTP 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.
First Time Visa Credit Card
Designed for members with low credit or no credit. Must be employed for a minimum of six months with present employer, minimum gross monthly income of $1,500, and no derogatory credit. Credit limit range $500 - $1,500 (not to exceed 1/2 of member's gross monthly income). Eligible for limit increase after 12 months of on-time payments.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | Fixed rate. As low as 12.00% APR. Credit limit $500 - $1,500. Credit limit not to exceed 1/2 of gross monthly income. |
Sources (2)
All captured Oct 22, 2026
Visa Platinum Credit Card
No annual fee. No fee for cash advances or balance transfers. Minimum payment is 2% of balance or $25, whichever is greater. Lowest rates reflect a 2% discount for accounts with checking, direct deposit, debit card, home banking, and e-statements. Platinum Plus program requires Interest Checking membership.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.00%–16.00% | None | Fixed rate. Lowest rates reflect a 2% discount for accounts with checking, direct deposit, debit card, home banking, and e-statements. Minimum payment is 2% of balance or $25, whichever is greater. No fee for cash advances. |
| Intro, 12 months | 2.99% | None | Visa Balance Transfer Program promotional rate for 12 months with Interest Checking. Rates as low as 2.99%. New cards: applies to purchases and balance transfers. Existing cards: applies to balance transfers only. Rate and terms may vary based on credit history and profile. |
| Intro, 12 months | 3.99% | None | Visa Balance Transfer Program promotional rate for 12 months without Interest Checking. Rates as low as 3.99%. New cards: applies to purchases and balance transfers. Existing cards: applies to balance transfers only. Rate and terms may vary based on credit history and profile. |
| Intro, 18 months | 4.99% | None | Visa Balance Transfer Program promotional rate for 18 months with Interest Checking. Rates as low as 4.99%. New cards: applies to purchases and balance transfers. Existing cards: applies to balance transfers only. Rate and terms may vary based on credit history and profile. |
| Intro, 18 months | 5.99% | None | Visa Balance Transfer Program promotional rate for 18 months without Interest Checking. Rates as low as 5.99%. New cards: applies to purchases and balance transfers. Existing cards: applies to balance transfers only. Rate and terms may vary based on credit history and profile. |
Sources (3)
- rtpfcu.org/home/personal/cards/platinum
- rtpfcu.org/home/rates/loan
- rtpfcu.org/home/personal/cards/balance_transfer
All captured Oct 15, 2026
Who can join RTP 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
- Persons who live, worship, work, or attend school in, and businesses and other legal entities located within specified community areas are eligible for membership.
Employers and groups
- Individuals associated with one of over 300 sponsored businesses and associations in the RTP and greater Triangle area are eligible for membership.
- Individuals are eligible for membership by joining the North Carolina Consumer Council.
Family and household
- Immediate family members of current RTP Federal Credit Union members (spouses, parents, children, brothers, sisters, grandparents, grandchildren, stepparents, stepchildren, stepsiblings, and adoptive relationships) are eligible to join.
- Persons living in the same residence maintaining a single economic unit with a current member (including domestic partners, foster children, legal guardians, and roommates) are eligible to join.
Membership information collected October 4, 2026.