Credit union · NCUA insured
Wichita Falls Federal Credit Union Credit Card Rates
Wichita Falls Federal Credit Union credit cards start at 8.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Wichita Falls Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Wichita Falls, TX, where Wichita Falls Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Wichita Falls Federal Credit Union
8.50%APR
- Up to
- —
Mastercard® Platinum
2nd-lowest rate
Windthorst Federal Credit Union
12.00%APR
- Up to
- —
3rd-lowest rate
Union Square Credit Union
12.75%APR
- Up to
- 17.95% APR
Wichita Falls Federal Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Wichita Falls 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.
Mastercard® Gold
Fixed-rate card. Same low rate applies for cash advances and balance transfers with no transaction fees. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.00% | None | Fixed rate for purchases, cash advances, and balance transfers. No cash advance fee. |
Sources (1)
- wffedcu.com/lending · captured Oct 7, 2026
Mastercard® Platinum
Fixed-rate card. Same low rate applies for cash advances and balance transfers with no transaction fees. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.50% | None | Fixed rate for purchases, cash advances, and balance transfers. No cash advance fee. |
Sources (1)
- wffedcu.com/lending · captured Oct 7, 2026
Mastercard® Standard
Fixed-rate card. Same low rate applies for cash advances and balance transfers with no transaction fees. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00%–17.00% | None | Fixed rate for purchases, cash advances, and balance transfers. No cash advance fee. |
Sources (1)
- wffedcu.com/lending · captured Oct 7, 2026
Who can join Wichita Falls Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Century Construction are eligible for membership.
- Employees of TB Electrical are eligible for membership.
Military, government and schools
- Members of the Wichita Falls City Council are eligible for membership.
- Employees of Wichita County Appraisal District are eligible for membership.
- Employees of the City of Wichita Falls are eligible for membership.
- Employees of Wichita Falls City/County Health Unit are eligible for membership.
7 more ways to join
Military, government and schools
- Employees of Wichita Falls Housing Authority are eligible for membership.
- Employees of Lakeside City are eligible for membership.
- Employees of Wichita County Water District 2 are eligible for membership.
Family and household
- Family members by blood or marriage (excluding cousins) of eligible individuals qualify for membership.
- Household members of existing account holders are eligible for membership.
- Spouses of individuals who died while in an eligible field of membership qualify for membership.
Other ways
- Persons retired from the qualifying fields of membership are eligible for membership.
Cost to join
- An initial deposit of at least $25.00 is required to open and maintain the Share Savings Account for membership.
Membership information collected October 5, 2026.