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Credit union · NCUA insured

Spirit Financial CU Credit Card Rates

Spirit Financial CU credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How Spirit Financial CU’s credit card rates compare

Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Spirit Financial CU has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    Spirit Financial CU

    10.90%APR

    Up to
    —

    Visa Platinum

  • Top Carrot, Carrot Score 94

    Lowest rate

    APG Federal Credit Union

    7.00%APR

    Up to
    —

    APG Federal Credit Union rates

  • Top Carrot, Carrot Score 93

    2nd-lowest rate

    Forge Credit Union

    7.99%APR

    Up to
    17.99% APR

    Forge Credit Union rates

Compare credit card rates near you →

Spirit Financial CU credit card score

79

Credit card score

Higher than 48% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR10.90%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Spirit Financial CU 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.

Who can join Spirit Financial CU

This may be incomplete or out of date, so check with the credit union before you apply.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, worship, or attend school anywhere in Bucks County, PA.

Family and household

  • Membership is open to family members and immediate family members of existing Credit Union members.

Cost to join

  • Opening membership requires an initial $5 deposit into a share savings account.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Spirit Financial CU overview