Credit union · NCUA insured
Service 1st Federal Credit Union Credit Card Rates
Service 1st Federal Credit Union credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Service 1st Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Sunbury, PA, where Service 1st Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Service 1st Federal Credit Union
12.74%APR
Visa Platinum Credit Card
Lowest rate
Central Keystone FCU
9.90%APR
2nd-lowest rate
MC Federal Credit Union
11.49%APR
Service 1st Federal Credit Union credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Service 1st 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.
Visa Platinum Credit Card
Qualification is based on an assessment of individual creditworthiness and underwriting standards. Variable rate, subject to change monthly. 25-day grace period on purchases. No balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | None | Rates as low as 12.74% APR. Variable rate, subject to change monthly. |
Sources (3)
- service1.org/personal/borrowing/personal
- service1.org/resources/rates
- service1.org/personal/borrowing/credit-card
All captured Oct 6, 2026
Who can join Service 1st 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This may be incomplete or out of date, so check with the credit union before you apply.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
- You are eligible for membership if you live, work, worship, attend school in, or operate a business or other legal entity located in qualified census tracts in Carbon, Columbia, Luzerne, Lycoming, Montour, Northumberland, Sullivan, Union, or Wyoming counties in PA.
Employers and groups
- You are eligible for membership if you work for one of Service 1st's Select Employee Groups.
Family and household
- You are eligible for membership if you have an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) who is already a member of Service 1st.
- You are eligible for membership if an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) lives, works, worships, attends school in, or operates a business or other legal entity located in qualified census tracts in designated Pennsylvania counties.
- You are eligible for membership if you have an immediate family member (child, spouse, sibling, parent, grandparent or grandchild) who works for one of Service 1st's Select Employee Groups.
Membership information collected October 5, 2026.