Credit union · NCUA insured
Team One Credit Union Credit Card Rates
Team One Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Team One Credit Union’s credit card rates compare
Compared with banks and credit unions near Saginaw, MI, where Team One Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Team One Credit Union
10.90%APR
- Up to
- 15.90% APR
Visa Platinum w/ ScoreCard Rewards
Lowest rate
Family First Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Security Credit Union
8.90%APR
- Up to
- —
Team One Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- 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.
Where Team One 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.
New Beginnings Visa
Designed for beginners looking to establish credit or refresh credit. Subject to credit application approval. Low $25 Annual Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.90%–19.90% | $25 | Low $25 Annual Fee. Rates range from 16.90% to 19.90% APR. Actual APRs will vary based on credit qualifications, amount, and term. Subject to approval of credit application. |
Sources (2)
All captured Oct 7, 2026
Visa Platinum
Rates vary based on credit qualifications, amount, and term. Subject to credit application approval. No Annual Fee. Variable rates subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90%–13.90% | None | No Annual Fee. Actual APRs will vary based on credit qualifications, amount, and term. Rates range from 0.00% to 15.90% APR. Rates as low as 8.90% APR on our Visa Platinum Credit Card. Balance transfer rate as low as 8.9% APR with no balance transfer fee for qualified applicants. |
Sources (3)
- teamonecu.org/personal/credit-cards/visa-credit-cards
- teamonecu.org/rates
- teamonecu.org/balance-transfer
All captured Oct 7, 2026
Visa Platinum w/ Cash Back Rewards
Rates vary based on credit qualifications, amount, and term. Subject to approval of credit application. Earn 1% Cash Back on Purchases. No Limit on Cash Back Earned.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90%–15.90% | None | Subject to approval of credit application. Actual APRs will vary based on credit qualifications, amount, and term. Rates range from 0.00% to 15.90% APR. |
Sources (2)
All captured Oct 7, 2026
Visa Platinum w/ ScoreCard Rewards
Rates vary based on credit qualifications, amount, and term. Subject to credit application approval. No Annual Fee. Earn 1 point for every $1 of purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90%–15.90% | None | No Annual Fee. Actual APRs will vary based on credit qualifications, amount, and term. Rates range from 0.00% to 15.90% APR. Subject to approval of credit application. Earn 1 point for every $1 of purchases. |
Sources (2)
All captured Oct 7, 2026
Who can join Team One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who reside in Lee County or Collier County, Florida.
- Eligibility is open to individuals who live, work, worship, or attend school in the state of Michigan.
Family and household
- Eligibility is open to individuals with an immediate family member who has an existing Team One membership, regardless of residence.
Cost to join
- Opening a membership requires a valid ID and a $5 deposit to open a savings account with a $5 minimum balance.
Membership information collected October 5, 2026.