Credit union · NCUA insured
Tinker Federal Credit Union Credit Card Rates
Tinker Federal Credit Union credit card rates start at 12.25% APR. Rates checked October 15, 2026.
How Tinker Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Oklahoma City, OK, where Tinker Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Tinker Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Oklahoma Federal Credit Union
7.00%APR
- Up to
- 11.00% APR
2nd-lowest rate
Farmers Insurance Federal Credit Union
8.99%APR
- Up to
- 18.00% APR
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.
Visa Classic
APR after any introductory period is set by credit rating at account opening and varies with the Prime Rate. Marketing pages emphasize establishing credit; no annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Introductory APR on purchases for six months from date of account opening. |
| Ongoing | 12.25% | None | Rate 1 ongoing purchase APR after introductory period; credit score 740 and above; variable based on Prime Rate. |
| Ongoing | 13.25% | None | Rate 2 ongoing purchase APR after introductory period; credit score 700-739; variable based on Prime Rate. |
| Ongoing | 14.25% | None | Rate 3 ongoing purchase APR after introductory period; credit score 660-699; variable based on Prime Rate. |
| Ongoing | 16.25% | None | Rate 4 ongoing purchase APR after introductory period; credit score 625-659; variable based on Prime Rate. |
| Ongoing | 18.00% | None | Rate 5 ongoing purchase APR after introductory period; credit score 0 to 624; variable based on Prime Rate. |
Visa Platinum
TFCU membership required, including an initial share (savings) account with a $5 deposit and qualifying for a Visa Platinum card. APR after any introductory period is set by credit rating at account opening and varies with the Prime Rate. Balance transfers cannot be used to pay off or pay down any TFCU account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | Introductory APR on purchases for six months from date of account opening. |
| Intro, 6 months | 3.99% | None | Introductory APR on balance transfers for six months on transfers that occur within the first 60 days of account opening. |
| Ongoing | 12.25% | None | Rate 1 ongoing purchase APR after introductory period; credit score 740 and above; variable based on Prime Rate; card carrier shows the APR assigned at opening. |
| Ongoing | 13.25% | None | Rate 2 ongoing purchase APR after introductory period; credit score 700-739; variable based on Prime Rate. |
| Ongoing | 14.25% | None | Rate 3 ongoing purchase APR after introductory period; credit score 660-699; variable based on Prime Rate. |
| Ongoing | 16.25% | None | Rate 4 ongoing purchase APR after introductory period; credit score 625-659; variable based on Prime Rate. |
| Ongoing | 18.00% | None | Rate 5 ongoing purchase APR after introductory period; credit score 0 to 624; variable based on Prime Rate; maximum APR 18.00%. |
Visa Signature
TFCU membership required, including an initial share (savings) account with a $5 deposit and qualifying for a Visa Signature card. APR after any introductory period is set by credit rating at account opening and varies with the Prime Rate. 0% introductory rate is not available for transfers from current TFCU credit card accounts.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR on purchases for six months from date of account opening. |
| Ongoing | 14.25% | None | Rate 1 ongoing purchase APR after introductory period; credit score 740 and above; variable based on Prime Rate. |
| Ongoing | 15.25% | None | Rate 2 ongoing purchase APR after introductory period; credit score 700 to 739; variable based on Prime Rate. |
| Ongoing | 16.25% | None | Rate 3 ongoing purchase APR after introductory period; credit score 660 to 699; variable based on Prime Rate. |
| Ongoing | 17.25% | None | Rate 4 ongoing purchase APR after introductory period; credit score 625 to 659; variable based on Prime Rate. |
| Ongoing | 18.00% | None | Rate 5 ongoing purchase APR after introductory period; credit score 0 to 624; variable based on Prime Rate. |
Who can join Tinker 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, worship, or attend school in eligible areas are eligible to join.
Employers and groups
- Members of qualifying large associations are eligible to join.
- Employees of any of the 3,600 TFCU Partner companies and organizations are eligible to join.
Military, government and schools
- U.S. Armed Forces active, retired, dependent, or dependent survivor receiving benefits or services from Tinker AFB, Vance AFB, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center are eligible.
- City or county employees of eligible areas qualify for membership.
- Students, faculty, and employees of qualifying colleges, technology centers, and universities are eligible.
8 more ways to join
Military, government and schools
- Students, faculty, and employees of qualifying K-12 schools are eligible.
- Military personnel, civilian personnel, contractors, or US Government employees assigned to or working at Tinker AFB, Vance AFB, an Army National Guard facility, or an Oklahoma Armed Forces Reserve Center are eligible.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandchild, stepparent, stepchild, stepsibling, or adoptive family member) of an existing member or eligible person qualify for membership.
- Permanent members of the household of an existing member or eligible person qualify for membership.
- Surviving spouses of TFCU members qualify for membership.
Other ways
- Residents of Texas and other areas can join via membership in the Cornerstone Foundation for a one-time fee of $15.00.
- Oklahoma residents can join via membership in the Oklahoma Jump$tart Coalition for a one-time fee of $10.00.
- Citizens, members, and employees of qualifying Tribal Nations are eligible to join.
Cost to join
- Opening a share (savings) account requires a $5 deposit and balance.
Membership information collected October 4, 2026.