Credit union · NCUA insured
The People's Federal Credit Union Credit Card Rates
Top CarrotThe People's Federal Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How The People's Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Amarillo, TX, where The People's Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
The People's Federal Credit Union
7.90%APR
- Up to
- —
MasterCard Credit Card
2nd-lowest rate
Intercorp Credit Union
9.90%APR
- Up to
- —
3rd-lowest rate
Education Credit Union
10.99%APR
- Up to
- 17.75% APR
The People's Federal Credit Union credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The People's 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.
MasterCard Credit Card
Available to TPFCU members for credit limits up to $15,000. Two plans offered: Gold and Platinum. No annual fee, no over limit fees, no balance transfer fees, and no cash advance fees. Rates based on individual credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Without rewards. Rate is based on individual credit score. Available for loan amounts of $15,000 or less. |
| Ongoing | 9.90% | None | With rewards program (earn points on dollars spent redeemable for merchandise, travel, etc.). Rate is based on individual credit score. Available for loan amounts of $15,000 or less. |
Who can join The People's 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, or worship in Canyon, Childress, Hereford, parts of Amarillo, or Deaf Smith County, Texas are eligible for membership.
Employers and groups
- Individuals who work for or have retired from a company served by TPFCU are eligible for membership.
Family and household
- Individuals who have a family member who is already a TPFCU member are eligible for membership.
Cost to join
- A required $25 initial deposit into a Membership Savings Account is needed to establish membership.
Membership information collected October 5, 2026.