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Credit Cards · Fairbanks, Alaska

Best Credit Union Credit Card Rates in Fairbanks, Alaska

2 credit unions in Fairbanks report credit card APRs to the NCUA. Rates range from 9.90% to 13.19%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.90%

Lowest Card APR

11.55%

City Average APR

Credit Card APRs — Fairbanks, Alaska

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1MAC

★ 3.2 · 174 reviews

9.90%12.99%
2SPIRIT OF ALASKA

★ 4.6 · 83 reviews

13.19%13.93%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Fairbanks could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Fairbanks credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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