Credit union · NCUA insured
TruChoice Federal Credit Union Credit Card Rates
Top CarrotTruChoice Federal Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How TruChoice Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Portland, ME, where TruChoice Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
TruChoice Federal Credit Union
11.90%APR
TruHero Credit Card
Lowest rate
Town & Country Federal Credit Union
8.90%APR
2nd-lowest rate
Evergreen Credit Union
8.99%APR
TruChoice Federal Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TruChoice 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.
Cash Back Rewards Credit Card
Requires credit union membership (open share account with minimum balance of at least $25). Subject to credit approval. Minimum credit limit of $5,000. Non-variable rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | All qualifying credit scores. Fixed 18% APR regardless of credit tier. Minimum credit limit of $5,000. |
Sources (3)
- trufcu.com/access/tools/rates
- trufcu.com/borrow/credit-cards
- trufcu.com/borrow/credit-cards…back-rewards-credit-card
All captured Oct 3, 2026
Traditional Credit Card
Low non-variable rates. No annual fee. No balance transfer or cash advance fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Credit Score: A+*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 12.90% | None | Credit Score: A*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 14.90% | None | Credit Score: B*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 15.90% | None | Credit Score: C*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 16.90% | None | Credit Score: D*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 18.00% | None | Credit Score: E*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
Sources (3)
- trufcu.com/access/tools/rates
- trufcu.com/borrow/credit-cards
- trufcu.com/borrow/credit-cards/traditional-credit-card
All captured Oct 3, 2026
TruHero Credit Card
Low non-variable rates. No annual fee. No balance transfer or cash advance fees. A portion of interchange income is donated to a chosen charity (McAuley Residence or Children's Miracle Network).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Credit Score: A+*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 12.90% | None | Credit Score: A*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 14.90% | None | Credit Score: B*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 15.90% | None | Credit Score: C*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 16.90% | None | Credit Score: D*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
| Ongoing | 18.00% | None | Credit Score: E*. We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. |
Sources (3)
- trufcu.com/access/tools/rates
- trufcu.com/borrow/credit-cards
- trufcu.com/borrow/credit-cards/truhero-credit-card
All captured Oct 3, 2026
Who can join TruChoice Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.