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Credit Cards · Philadelphia, Pennsylvania

Best Credit Union Credit Card Rates in Philadelphia, Pennsylvania

4 credit unions in Philadelphia report credit card APRs to the NCUA. Rates range from 9.90% to 16.65%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

9.90%

Lowest Card APR

12.11%

City Average APR

Credit Card APRs — Philadelphia, Pennsylvania

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1TRANSIT WORKERS

★ 3.9 · 21 reviews

9.90%9.19%
2AMERICAN HERITAGE

★ 3.0 · 330 reviews

9.99%9.74%
3PENN

★ 3.7 · 26 reviews

11.90%12.90%
4POLICE & FIRE

★ 3.7 · 372 reviews

16.65%15.65%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Philadelphia could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Philadelphia credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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Browse All Credit Unions in Philadelphia

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