Lowest credit union credit card rates
Credit union cards compete on a low ongoing APR and few fees rather than heavy rewards — which is what actually matters if you ever carry a balance. Compare the lowest rates below.
| # | Credit union | APR | Min | As of | |
|---|---|---|---|---|---|
| 1 | FD COMMUNITY Waterbury, CT | 8.95% | — | 8/30/2026 | View → |
Rates are published by each credit union and may not reflect the latest offer or your eligibility. Confirm current terms on the credit union's page before applying.
Frequently asked questions
Why are credit union card APRs lower?
Federal credit unions cap most loan rates at 18% APR under NCUA rules, and as not-for-profits they price cards to serve members rather than maximize interest income. Bank cards routinely run above that ceiling.
Will I get the rate shown here?
Not necessarily. Most cards advertise a range and your actual APR depends on your credit profile. The figure here is the lowest rate the credit union publishes, so treat it as the starting point rather than a quote.