Credit union · NCUA insured
Theory Federal Credit Union Credit Card Rates
Theory Federal Credit Union credit cards start at 9.80% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Theory Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Cleveland, OH, where Theory Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Theory Federal Credit Union
9.80%APR
- Up to
- —
Theory Visa® Credit Card
Lowest rate
7 17 Credit Union
7.17%APR
- Up to
- 22.99% APR
2nd-lowest rate
Achieve CU
8.90%APR
- Up to
- —
Theory Federal Credit Union credit card score
87
Credit card score
Higher than 77% of U.S. banks and credit unions
- Purchase APRPurchase APR9.80%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Theory 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.
Theory Visa® Credit Card
Membership eligibility is required. Rate is based on creditworthiness. Advertised loan rates reflect discount with automatic payments.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.80% | None | No annual fee, no balance transfer fees, and no rate hikes for cash advances. Rates as low as 9.80% APR (or 9.8% with automatic payment discount). Rate based on creditworthiness. |
Who can join Theory Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.