Pennsylvania State Employees Cu credit card terms
Credit union · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Pennsylvania State Employees Cu reported a surveyed purchase APR of 12.9% (median 12.9%) 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. 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.
Pennsylvania State Employees Cu surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 12.9% |
| Median purchase APR | 12.9% |
| Rate type | fixed |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | 2.9% |
| Cash-advance APR (max) | 14.9% |
| Annual fee | — |
| Late fee (median) | — |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Pennsylvania State Employees Cu did not report that field in the survey.
How Pennsylvania State Employees Cu 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. Pennsylvania State Employees Cu's median of 12.9% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Pennsylvania State Employees Cu (this issuer) | 12.9% | 12.9% | — |
| Ravenswood Federal Credit Union | 12.9% | 12.9% | — |
| Allegius Federal Credit Union | 9.95% – 17.95% | 12.95% | — |
| Mid Carolina Credit Union | 7.45% – 18% | 12.95% | — |
| Omaha Police Federal Credit Union | 8.99% – 18% | 12.99% | — |
| Cu Hawaii Federal Credit Union | 11% – 17.25% | 13% | — |
| Pathways Financial Credit Union, Inc. | 11.49% – 18.99% | 13.2% | — |
Ravenswood Federal Credit Union · Allegius Federal Credit Union · Mid Carolina Credit Union · Omaha Police Federal Credit Union · Cu Hawaii Federal Credit Union · Pathways Financial Credit Union, Inc.
Frequently asked questions
What is Pennsylvania State Employees Cu's credit card APR?
Pennsylvania State Employees Cu reported a purchase APR of 12.9% to the CFPB Terms of Credit Card Plans survey (median 12.9%), across 1 surveyed product. Rates are fixed. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Pennsylvania State Employees Cu charge an annual fee?
Pennsylvania State Employees Cu 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 Pennsylvania State Employees Cu a good choice for a low APR?
Pennsylvania State Employees Cu is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (12.9%) 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 Pennsylvania State Employees Cu (Pennsylvania State Employees Cu) 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