Homeland Credit Union, Inc. credit card terms
Credit union · 2 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Homeland Credit Union, Inc. reported a surveyed purchase APR of 3% – 18.99% (median 11%) to the CFPB Terms of Credit Card Plans survey, across 2 products. As a credit union, its cards are capped at an 18% APR by federal law. Annual fees on surveyed cards: $10. 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.
Homeland Credit Union, Inc. surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 3% – 18.99% |
| Median purchase APR | 11% |
| Rate type | variable & fixed |
| Intro / promo APR offered | Yes (from 3%) |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 18.99% |
| Annual fee | $10 |
| Late fee (median) | $15 |
| Secured card offered | Not reported |
| Products surveyed | 2 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Homeland Credit Union, Inc. did not report that field in the survey.
How Homeland Credit Union, Inc. 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. Homeland Credit Union, Inc.'s median of 11% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Homeland Credit Union, Inc. (this issuer) | 3% – 18.99% | 11% | $10 |
| Empower Blue Credit Union | 4% – 18% | 11% | — |
| Security Service Federal Credit Union | 10.99% – 18% | 10.99% | — |
| Tru Federal Credit Union | 7.99% – 15.99% | 10.99% | — |
| Long Reach Federal Credit Union | 10.9% | 10.9% | — |
| Priority First Federal Credit Union | 8.9% – 15.4% | 10.9% | — |
| Maui Federal Credit Union | 6.99% – 18% | 10.57% | — |
Empower Blue Credit Union · Security Service Federal Credit Union · Tru Federal Credit Union · Long Reach Federal Credit Union · Priority First Federal Credit Union · Maui Federal Credit Union
Frequently asked questions
What is Homeland Credit Union, Inc.'s credit card APR?
Homeland Credit Union, Inc. reported a purchase APR of 3% – 18.99% to the CFPB Terms of Credit Card Plans survey (median 11%), across 2 surveyed products. Rates are variable & fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Homeland Credit Union, Inc. charge an annual fee?
Homeland Credit Union, Inc.'s surveyed cards carry an annual fee of $10. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Homeland Credit Union, Inc. a good choice for a low APR?
Homeland Credit Union, Inc. is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (3% – 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 Homeland Credit Union, Inc. (Homeland Credit Union, Inc.) 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