Credit Cards · Phoenix, Arizona
5 credit unions in Phoenix report credit card APRs to the NCUA. Rates range from 11.99% to 14.49%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
11.99%
Lowest Card APR
13.27%
City Average APR
5 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | ALHAMBRA ★ 4.7 · 208 reviews | 11.99% | 12.00% |
| 2 | ARIZONA FINANCIAL ★ 4.4 · 295 reviews | 12.91% | 15.02% |
| 3 | MARISOL ★ 4.0 · 163 reviews | 13.05% | 9.23% |
| 4 | ARIZONA CENTRAL ★ 2.4 · 61 reviews | 13.90% | 14.65% |
| 5 | ONEAZ ★ 4.5 · 270 reviews | 14.49% | 12.75% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Phoenix could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Phoenix credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.