Credit union · NCUA insured
TLCU Financial Credit Card Rates
Top CarrotTLCU Financial credit cards start at 10.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How TLCU Financial’s credit card rates compare
Compared with banks and credit unions near South Bend, IN-MI, where TLCU Financial has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
TLCU Financial
10.00%APR
- Up to
- 21.00% APR
Visa Platinum
Lowest rate
Circle Federal Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
South Bend Firefighters Credit Union
9.90%APR
- Up to
- —
TLCU Financial credit card score
81
Credit card score
Higher than 57% of U.S. banks and credit unions
- Purchase APRPurchase APR10.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TLCU Financial 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.
Visa Platinum
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 4.90% | None | 4.90% INTRO APR on purchases for 12 months. After that, your normal qualified rate applies. |
| Ongoing | 10.00%–21.00% | None | Rewards Annual Percentage Rate (APR) is between 10% – 21%. |
Sources (1)
- tlcufinancial.org/credit-cards · captured Oct 7, 2026
Who can join TLCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone living or working in LaGrange County, Marshall County, Elkhart County, or St. Joseph County is eligible for membership.
Employers and groups
- Employees of listed Select Employee Groups in Mishawaka, Topeka, and Bremen qualify for membership.
Family and household
- Individuals who have a family member with an existing TLCU Financial account are eligible for membership.
Membership information collected October 5, 2026.