Credit union · NCUA insured
UTFCU Credit Card Rates
UTFCU credit card rates start at 9.99% APR. Rates checked October 16, 2026.
How UTFCU’s credit card rates compare
Compared with banks and credit unions near Toledo, OH, where UTFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UTFCU
– –
- Up to
- —
No ongoing APR published
Lowest rate
Glass City Federal Credit Union
6.99%APR
- Up to
- 17.88% APR
2nd-lowest rate
Toledo Fire Fighters Federal Credit Union
7.99%APR
- Up to
- —
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 with ScoreCard Rewards
Exempt from risk-based pricing. No annual fees. No balance transfer fees. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate for new cardholders for six months. After that, rate reverts to regular APR. |
| Ongoing | 14.99% | None | Fixed rate after intro period or standard rate. No annual fees. |
Visa Platinum with ScoreCard Rewards
Exempt from risk-based pricing. No annual fees. No balance transfer fees. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate for new cardholders for six months. After that, rate reverts to regular APR. |
| Ongoing | 9.99% | None | Fixed rate after intro period or standard rate. No annual fees. |
Who can join UTFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members of the University of Toledo Alumni Association can join the credit union (non-alumni may join the Alumni Association to qualify).
Military, government and schools
- Faculty, staff, physicians, residents, and students of the University of Toledo are eligible to join the credit union.
Family and household
- Direct family members (mom, dad, brother, sister, son, and daughter) of an existing UTFCU member are eligible to join.
Cost to join
- A minimum of $5.00 Membership Share deposit is required for UTFCU membership.
Membership information collected October 5, 2026.