Credit union · NCUA insured
Wave Federal Credit Union Credit Card Rates
Wave Federal Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Wave Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Providence, RI-MA, where Wave Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Wave Federal Credit Union
11.99%APR
Wave Platinum Visa
Lowest rate
Ocean State Credit Union
8.90%APR
2nd-lowest rate
Arise Financial
9.90%APR
Wave Federal Credit Union credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wave 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.
Wave Platinum Visa
Subject to credit approval. Actual credit limit is based on creditworthiness. Rates and terms are subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99% | None | Fixed Rate. Same low rate for both advances and purchases. Fee-free balance transfers. Subject to credit approval. Actual credit limit is based on creditworthiness. |
Sources (1)
- wavefcu.org/wave-visa-platinum-card · captured Oct 15, 2026
Who can join Wave Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.