Credit union · NCUA insured
South Central Credit Union Credit Card Rates
South Central Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How South Central Credit Union’s credit card rates compare
Compared with banks and credit unions near Jackson, MI, where South Central Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
South Central Credit Union
9.90%APR
- Up to
- —
SCCU Platinum Visa
Lowest rate
Aeroquip CU
7.80%APR
- Up to
- —
2nd-lowest rate
MSU Federal Credit Union
9.90%APR
- Up to
- 17.90% APR
South Central Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where South Central 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.
SCCU Classic Visa
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed APR for Purchases, Balance Transfers, and Cash Advances. Stated APR is for qualified borrowers only; rates are periodically set and subject to change without notice. |
Sources (1)
- southcentralcu.org/visa-credit-and-pre-paid-gift-cards · captured Oct 7, 2026
SCCU Platinum Visa
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed APR for Purchases, Balance Transfers, and Cash Advances (also designated as low as 9.9% APR). Stated APR is for qualified borrowers only; rates are periodically set and subject to change without notice. |
Sources (1)
- southcentralcu.org/visa-credit-and-pre-paid-gift-cards · captured Oct 7, 2026
SCCU Shared Secured Visa
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed APR for Purchases, Balance Transfers, and Cash Advances. Stated APR is for qualified borrowers only; rates are periodically set and subject to change without notice. |
Sources (1)
- southcentralcu.org/visa-credit-and-pre-paid-gift-cards · captured Oct 7, 2026
Who can join South Central 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, or attends school in Branch, Calhoun, Eaton, Hillsdale, Ingham, Jackson, Lenawee, Livingston, or Washtenaw counties in Michigan.
Employers and groups
- Membership is open to Michigan Railroaders employees and family members.
- Membership is open to employees of South Central Credit Union.
Military, government and schools
- Membership is open to City of Jackson Michigan employees and pensioners (retirees).
- Membership is open to County of Jackson Michigan employees and pensioners (retirees).
- Membership is open to employees of the Jackson County Michigan Townships of Blackman, Leoni and Summit.
1 more way to join
Family and household
- Membership is open to any immediate family member of a current primary member related by blood or marriage, whether living or not living in the same household.
Membership information collected October 5, 2026.