TruWest Credit Union Credit Card Rates

How TruWest Credit Union’s credit card rates compare

Compared with banks and credit unions near Phoenix, AZ, where TruWest Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
TruWest Credit Union
– –
Up to
—
No ongoing APR published
Lowest rate
Pinal County FCU
7.90%APR
Up to
13.90% APR
Pinal County FCU rates
2nd-lowest rate
AERO Financial
7.92%APR
Up to
12.84% APR
AERO Financial rates

Compare credit card rates near you →

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

Must be a TruWest member with a minimum $5 membership deposit and continuing balance to qualify. Requires application and is subject to credit approval.

Applies to	APR	Annual fee	Conditions
Ongoing	0.00%	None	0.00% Introductory APR for purchases for qualifying members for 18 billing cycles from account opening. Does not apply to cash advances or existing TruWest balances.
Ongoing	9.70%–24.75%	None	Standard variable purchase APR after introductory period or if member does not qualify for intro APR; based on creditworthiness, calculated by adding 2.70% to 17.75% margin to Prime Rate.
Ongoing	17.70%–25.70%	None	Variable APR for cash advances based on creditworthiness, calculated by adding 10.70% to 18.70% margin to the Prime Rate. 5.00% cash advance fee applies.

Sources (4)

All captured Oct 7, 2026

Visa Platinum Points

Must be a TruWest member with a minimum $5 membership deposit and continuing balance to qualify. Requires application and is subject to credit approval.

Applies to	APR	Annual fee	Conditions
Ongoing	0.00%	None	0.00% Introductory APR for purchases for qualifying members for 18 billing cycles from account opening. Does not apply to cash advances or existing TruWest balances.
Ongoing	0.00%	None	0.00% Introductory APR for balance transfers for qualifying members for 18 billing cycles from account opening. Does not apply to cash advances or existing TruWest balances. 3% balance transfer fee applies.
Ongoing	11.65%–18.65%	None	Standard variable purchase APR after introductory period or if member does not qualify for intro APR; based on creditworthiness and varies with the market based on the Prime Rate.
Ongoing	17.70%–25.70%	None	Variable APR for cash advances based on creditworthiness, calculated by adding 10.70% to 18.70% margin to the Prime Rate. 5.00% cash advance fee applies.

Sources (4)

All captured Oct 7, 2026

Visa Secured

Must be a TruWest member with a minimum $5 membership deposit and continuing balance to qualify. Requires application and is subject to credit approval.

Applies to	APR	Annual fee	Conditions
Ongoing	0.00%	None	0.00% Introductory APR for purchases for qualifying members for 18 billing cycles from account opening. Does not apply to cash advances or existing TruWest balances.
Ongoing	16.70%	None	Variable standard purchase APR after introductory period or if member does not qualify for intro APR; varies with the market based on the Prime Rate.
Ongoing	17.70%–25.70%	None	Variable APR for cash advances based on creditworthiness, calculated by adding 10.70% to 18.70% margin to the Prime Rate. 5.00% cash advance fee applies.

Sources (1)

truwest.org/accounts/visa-terms · captured Oct 7, 2026

Visa Signature

Must be a TruWest member with a minimum $5 membership deposit and continuing balance to qualify. Requires application and is subject to credit approval.

Applies to	APR	Annual fee	Conditions
Ongoing	0.00%	None	0.00% Introductory APR for purchases for qualifying members for 18 billing cycles from account opening. Does not apply to cash advances or existing TruWest balances.
Ongoing	11.65%–12.65%	None	Standard variable purchase APR after introductory period or if member does not qualify for intro APR; based on creditworthiness and varies with the market based on the Prime Rate.
Ongoing	17.70%–25.70%	None	Variable APR for cash advances based on creditworthiness, calculated by adding 10.70% to 18.70% margin to the Prime Rate. 5.00% cash advance fee applies.

Sources (4)

All captured Oct 7, 2026

Who can join TruWest Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Eligible if you live, work, own a business, or attend school in Maricopa, Pinal, Pima, or Yavapai County, AZ, or Travis or Williamson County, TX.

Family and household

Eligible if you are related to a current member as a spouse, natural or adopted child, foster or step-child, parent or parent-in-law, grandparent or grandchild, brother or sister, stepbrother or stepsister, brother- or sister-in-law, or son- or daughter-in-law.
Eligible if you are the surviving spouse of a deceased member.

Cost to join

Must have a minimum $5 opening deposit and continued balance.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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