First American Credit Union credit card terms
Credit union · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
First American Credit Union reported a surveyed purchase APR of 3.99% – 18.99% (median 9.99%) to the CFPB Terms of Credit Card Plans survey, across 1 product. As a credit union, its cards are capped at an 18% APR by federal law. Annual fees on surveyed cards: $25. 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.
First American Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 3.99% – 18.99% |
| Median purchase APR | 9.99% |
| Rate type | fixed |
| Intro / promo APR offered | Yes (from 3.99%) |
| Balance-transfer APR (max) | 18.99% |
| Cash-advance APR (max) | 18.99% |
| Annual fee | $25 |
| Late fee (median) | $25 |
| Secured card offered | Yes |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means First American Credit Union did not report that field in the survey.
First American Credit Union purchase APR by credit tier
Median purchase APR First American Credit Union reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 17.49% |
| Good credit (620-719) | 9.99% |
| Great credit (720+) | 7.49% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How First American 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. First American Credit Union's median of 9.99% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| First American Credit Union (this issuer) | 3.99% – 18.99% | 9.99% | $25 |
| Alcoa Community Federal Credit Union | 7.99% – 15.99% | 9.99% | — |
| Chiropractic Federal Credit Union | 9.9% | 9.9% | — |
| Mid American Credit Union | 9.9% – 14.9% | 9.9% | — |
| Pennsylvania Central Federal Credit Union | 9.9% | 9.9% | — |
| Publix Employees Federal Credit Union | 9.9% | 9.9% | — |
| Ravalli County Federal Credit Union | 9.9% | 9.9% | — |
Alcoa Community Federal Credit Union · Chiropractic Federal Credit Union · Mid American Credit Union · Pennsylvania Central Federal Credit Union · Publix Employees Federal Credit Union · Ravalli County Federal Credit Union
Frequently asked questions
What is First American Credit Union's credit card APR?
First American Credit Union reported a purchase APR of 3.99% – 18.99% to the CFPB Terms of Credit Card Plans survey (median 9.99%), across 1 surveyed product. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does First American Credit Union charge an annual fee?
First American Credit Union's surveyed cards carry an annual fee of $25. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is First American Credit Union a good choice for a low APR?
First American Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (3.99% – 18.99%) 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 First American Credit Union (First American 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