Credit union · NCUA insured
US Community Credit Union Credit Card Rates
Top CarrotUS Community Credit Union credit cards start at 12.75% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How US Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Nashville, TN, where US Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
US Community Credit Union
12.75%APR
- Up to
- 29.95% APR
Platinum Credit Card
Lowest rate
Heritage South
8.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
Outreach FCU
8.90%APR
- Up to
- —
US Community Credit Union credit card score
69
Credit card score
Higher than 23% of U.S. banks and credit unions
- Purchase APRPurchase APR12.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where US Community 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.
Platinum Credit Card
All loans subject to approval. Rates and terms based on individual's credit score and qualifications. Rates and terms subject to change. Limits starting at $300. Features CURewards program (points or cash back) and no fee to transfer credit card balances from other financial institutions.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75%–29.95% | None | All loans subject to approval. Rates and terms based on individual's credit score and qualifications. Rates and terms subject to change. No annual fee. Credit limits starting at $300. |
Secured Credit Card
Secured credit card option designed to build or rebuild credit. All loans subject to approval; rates and terms based on individual's credit score and qualifications. Rates and terms subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | All loans subject to approval. Rates and terms based on individual's credit score and qualifications. Rates and terms subject to change. |
Who can join US Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, or attend school in, as well as businesses and legal entities located in, 14 specified Tennessee counties.
Employers and groups
- Membership is open to individuals who become members of Friends of Monroe Carrell Jr. Children's Hospital At Vanderbilt, subject to geographical restrictions.
Family and household
- Immediate family members (including spouses, children, grandchildren, parents, grandparents, siblings, and step-relatives) or household members of eligible members can join.
Membership information collected October 5, 2026.