Credit union · NCUA insured
United Churches Credit Union Credit Card Rates
United Churches Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How United Churches Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where United Churches Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United Churches Credit Union
10.90%APR
VISA Classic Credit Card
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
United Churches Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Churches 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.
VISA Classic Credit Card
Up to $8,000 credit limit upon qualification. 25-day grace period on purchases. No annual fee. For California borrowers, the Visa Classic is a secured credit card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | As low as 10.90% fixed interest rate upon qualification. Maximum limit $8,000. No annual fee. |
| Ongoing | 14.50%–23.50% | None | 14.50%, 17.50%, 20.50% or 23.50%, when you open your account, based on your creditworthiness. Variable rate based on the Prime Rate. |
| Intro, 12 months | 0.00% | None | 0.00% Introductory APR for a period of 12 billing cycles. Existing balances on United Churches Credit Union loan or credit card accounts are not eligible. Balance transfer fee: 2.00% of the amount of each balance transfer (disclosed as 0.00% under other fees). May end introductory APR and apply Penalty APR (19.90%) if 60 days late. |
Sources (3)
- unitedchurchescu.org/page/20/credit-cardsrates
- unitedchurchescu.org/yortal/up…dit-Card-Application.pdf
- unitedchurchescu.org/page/8/rates
All captured Oct 5, 2026
Who can join United Churches Credit Union
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