Credit union · NCUA insured
White Rose Credit Union Credit Card Rates
Top CarrotWhite Rose Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How White Rose Credit Union’s credit card rates compare
Compared with banks and credit unions near York, PA, where White Rose Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
White Rose Credit Union
8.99%APR
Visa Platinum Credit Card
Lowest rate
New Cumberland Federal Credit Union
6.90%APR
2nd-lowest rate
AmeriChoice Federal Credit Union
8.90%APR
White Rose Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where White Rose 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.
Secured Visa Credit Card
Secured by funds established in a White Rose Credit Union share account. Credit limit up to $10,000 provided that the amount is available as collateral in share account. No annual fees. Rates are the same as rates for unsecured credit cards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | Platinum rate tier; secured by funds in a share account. |
| Ongoing | 12.99% | None | Classic regular rate tier; secured by funds in a share account. |
| Ongoing | 5.99% | None | Classic introductory rate tier for 6 billing cycles; secured by funds in a share account. |
Visa Classic Credit Card
Requires membership in White Rose Credit Union. Rate is 5.99% for an introductory period of 6 billing cycles.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 5.99% | None | Introductory rate for the first 6 billing cycles. |
| Ongoing | 12.99% | None | Standard ongoing rate. |
Visa Platinum Credit Card
Requires membership in White Rose Credit Union.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | — |
Who can join White Rose 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This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, attends school, or owns a business in York or Adams County, Pennsylvania.
Cost to join
- There is a $1.00 membership fee upon becoming a member.
- A $5.00 deposit is placed into the member's savings account to secure membership, refundable upon closing the membership.
Membership information collected October 5, 2026.