Credit union · NCUA insured
Service Credit Union Credit Card Rates
Top CarrotService Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Service Credit Union’s credit card rates compare
Compared with banks and credit unions near Boston, MA-NH, where Service Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Service Credit Union
11.90%APR
- Up to
- 18.00% APR
Visa Everyday Card
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
- —
Service Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Service 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 Everyday Card
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Variable APR based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90%–18.00% | None | Variable APR based on creditworthiness. No annual fee. |
Sources (2)
All captured Oct 7, 2026
Visa Everyday Starter Card
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Built for individuals with no credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Variable APR is 18.00% based on creditworthiness. Manageable credit limit of $1,000. No annual fee. |
Sources (2)
All captured Oct 7, 2026
Visa Signature Everyday Elite Card
Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Variable APR based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.90%–18.00% | None | Variable APR based on creditworthiness. No annual fee. |
Sources (2)
All captured Oct 7, 2026
Who can join Service Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members of the American Consumer Council.
- Membership is open to members of the Financial Fitness Association.
- Membership is open to employees and members of participating Workplace Partners (SEGs).
Military, government and schools
- Membership is open to current and former Department of Defense employees and their families.
- Membership is open to active duty military members, veterans, and their families.
Cost to join
- A $5 share deposit is required to establish membership.
Membership information collected October 4, 2026.