Credit union · NCUA insured
SCU Credit Union Credit Card Rates
SCU Credit Union credit card rates start at 15.74% APR. Rates checked October 15, 2026.
How SCU Credit Union’s credit card rates compare
Compared with banks and credit unions near Boston, MA-NH, where SCU Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SCU Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Albright Credit Union
7.99%APR
- Up to
- 17.99% APR
2nd-lowest rate
Beverly Municipal Federal Credit Union
7.99%APR
- Up to
- —
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.
VISA Platinum
Open to members who live, go to school, or have a place of business in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for first 12 billing cycles on purchases and balance transfers; not applicable to balances currently owed to the credit union. Loss of introductory APR and penalty APR of 18.00% may apply if a late payment is made. |
| Ongoing | 15.74%–17.99% | None | Standard post-introductory variable APR on purchases, balance transfers, and cash advances depending on creditworthiness; varies with the market based on the Prime Rate (maximum rate 18%). Balance transfer fee 3.00% ($10.00 min - $75.00 max). Cash advance fee $10.00 or 3.00%, whichever is greater. Foreign transaction fee 2.00%. |
VISA Secured
Deposit into a share savings account serves as collateral and determines credit limit. Open to members who live, go to school, or have a place of business in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for first 12 billing cycles on purchases, balance transfers, and cash advances; not applicable to balances currently owed to the credit union. Loss of introductory APR and penalty APR of 18.00% may apply if a late payment is made. |
| Ongoing | 17.74% | None | Standard post-introductory variable APR for purchases, balance transfers, and cash advances; varies with the market based on the Prime Rate. Balance transfer fee 3.00% ($10.00 min - $75.00 max). Cash advance fee $10.00 or 3.00%, whichever is greater. Foreign transaction fee 2.00%. |
VISA Signature Rewards
Open to members who live, go to school, or have a place of business in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for first 12 billing cycles on purchases and balance transfers; not applicable to balances currently owed to the credit union. Loss of introductory APR and penalty APR of 18.00% may apply if a late payment is made. |
| Ongoing | 17.74%–17.99% | None | Standard post-introductory variable APR on purchases, balance transfers, and cash advances depending on creditworthiness; varies with the market based on the Prime Rate (maximum rate 18%). Balance transfer fee 3.00% ($10.00 min - $75.00 max). Cash advance fee $10.00 or 3.00%, whichever is greater. Foreign transaction fee 2.00%. |
Who can join SCU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, attend school, college or university, or have a usual place of business in specified counties in Massachusetts (Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk), Rhode Island (Bristol, Newport, Providence), or specified towns in Worcester County, Massachusetts (Blackstone, Hopedale, Mendon, Milford, Millville, Northbridge, Southborough, Upton, Uxbridge, Westborough).
Family and household
- Membership is open to family members (defined as spouse, child, brother, sister, parent, grandchild, grandparent, stepchild, stepbrother, stepsister, sister-in-law, brother-in-law, mother-in-law, father-in-law, daughter-in-law, son-in-law, aunt, uncle, niece, nephew, or cousin) of eligible persons, regardless of location.
Other ways
- Membership is open to organization members (fraternal organizations, voluntary associations, partnerships, or corporations) having a usual place of business within the commonwealth and composed principally of individual members or stockholders eligible for credit union membership or the Central Credit Union Fund, Inc.
Membership information collected October 5, 2026.