360 Federal Credit Union credit card terms
Credit union · 4 products surveyed · CFPB TCCP survey, Jul-Dec 2025
360 Federal Credit Union reported a surveyed purchase APR of 3.99% (median 3.99%) to the CFPB Terms of Credit Card Plans survey, across 4 products. As a credit union, its cards are capped at an 18% APR by federal law. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
360 Federal Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 3.99% |
| Median purchase APR | 3.99% |
| Rate type | fixed |
| Intro / promo APR offered | Yes (from 3.99%) |
| Balance-transfer APR (max) | 3.99% |
| Cash-advance APR (max) | 18% |
| Annual fee | — |
| Late fee (median) | $35 |
| Secured card offered | Yes |
| Products surveyed | 4 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means 360 Federal Credit Union did not report that field in the survey.
How 360 Federal Credit Union compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. 360 Federal Credit Union's median of 3.99% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| 360 Federal Credit Union (this issuer) | 3.99% | 3.99% | — |
| Tinker Federal Credit Union | 3.99% – 18% | 3.99% | — |
| Gundersen Credit Union | 8.9% | 8.9% | — |
| Greater Pittsburgh Police Federal Credit Union | 8.99% | 8.99% | — |
| Siouxland Federal Credit Union | 9.49% | 9.49% | — |
| Destinations Credit Union | 9.5% – 19.5% | 9.5% | — |
| River Valley Credit Union | 7.5% – 11.5% | 9.5% | — |
Tinker Federal Credit Union · Gundersen Credit Union · Greater Pittsburgh Police Federal Credit Union · Siouxland Federal Credit Union · Destinations Credit Union · River Valley Credit Union
Frequently asked questions
What is 360 Federal Credit Union's credit card APR?
360 Federal Credit Union reported a purchase APR of 3.99% to the CFPB Terms of Credit Card Plans survey (median 3.99%), across 4 surveyed products. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does 360 Federal Credit Union charge an annual fee?
360 Federal Credit Union did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is 360 Federal Credit Union a good choice for a low APR?
360 Federal Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (3.99%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by 360 Federal Credit Union (360 Federal Credit Union) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29