Credit Cards · Colorado
49 credit unions in Colorado report credit card APRs to the NCUA. Rates range from 7.99% to 21.49%.
Updated Q1 2026 · NCUA Call Report data
49
CUs Reporting Rates
7.99%
Lowest Card APR
12.62%
State Average APR
26
Cities Covered
49 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HORIZONS NORTH Westminster | 7.99% | 16.00% |
| 2 | THE DISTRICT Aurora | 8.90% | 10.74% |
| 3 | SCHOOL DISTRICT 3 Colorado Spring | 9.25% | 10.36% |
| 4 | ELECTRICAL ARVADA | 9.72% | 11.55% |
| 5 | PUEBLO GOVERNMENT AGENCIES Pueblo | 9.75% | 10.30% |
| 6 | SAN JUAN MOUNTAINS Montrose | 9.90% | 12.05% |
| 7 | OPTIONS Littleton | 9.90% | 10.86% |
| 8 | SPACE AGE Aurora | 10.00% | 11.00% |
| 9 | POWER Pueblo | 10.24% | 10.99% |
| 10 | MINNEQUA WORKS Pueblo | 10.41% | 11.31% |
| 11 | ARAPAHOE Littleton | 10.62% | 13.79% |
| 12 | RIO GRANDE Grand Junction | 10.74% | 12.87% |
| 13 | CREDIT UNION OF DENVER LAKEWOOD | 10.74% | 17.50% |
| 14 | SOOPER CU DBA CLIMB CU ARVADA | 11.00% | 13.97% |
| 15 | CREDIT UNION OF THE ROCKIES Golden | 11.45% | 14.88% |
| 16 | NORTHERN COLORADO GREELEY | 11.49% | 11.90% |
| 17 | ON TAP Golden | 11.70% | 10.07% |
| 18 | DENVER FIRE DEPARTMENT Denver | 11.75% | 9.50% |
| 19 | PEOPLES SPRINGFIELD | 11.79% | 11.97% |
| 20 | NUVISTA Montrose | 11.90% | 16.00% |
| 21 | STAR TECH GREENWOOD VILLA | 11.99% | 12.00% |
| 22 | AFFIDIAN Denver | 12.15% | 13.44% |
| 23 | CREDIT UNION OF COLORADO, A Denver | 12.25% | 14.94% |
| 24 | AURORA Aurora | 12.44% | 16.30% |
| 25 | WELD COMMUNITY Greeley | 12.48% | 13.11% |
| 26 | RIO BLANCO SCHOOLS Rangely | 12.90% | 13.00% |
| 27 | FELLOWSHIP Lamar | 12.90% | 10.00% |
| 28 | YUMA COUNTY YUMA | 12.90% | 14.00% |
| 29 | DENVER COMMUNITY CU D.B.A. ZING CU Denver | 12.99% | 18.00% |
| 30 | FOOTHILLS Wheat Ridge | 12.99% | 12.99% |
| 31 | GRAND JUNCTION Grand Junction | 12.99% | 11.68% |
| 32 | BELLCO GREENWOOD VILLA | 13.00% | 10.99% |
| 33 | AIR ACADEMY Colorado Spring | 13.25% | 14.00% |
| 34 | SUNWEST Pueblo | 13.40% | 9.49% |
| 35 | WESTERRA Denver | 13.40% | 10.24% |
| 36 | METRUM COMMUNITY Centennial | 13.74% | 14.51% |
| 37 | FIDELIS CATHOLIC Arvada | 13.80% | 12.72% |
| 38 | COLUMBINE Centennial | 13.90% | 15.90% |
| 39 | COLORADO Littleton | 13.95% | 11.49% |
| 40 | DELTA COUNTY Delta | 14.25% | 13.75% |
| 41 | ONE THIRTEEN Colorado Spring | 14.40% | 8.33% |
| 42 | COLORAMO Grand Junction | 14.75% | 15.75% |
| 43 | MERITRUST Broomfield | 15.13% | 14.28% |
| 44 | RED ROCKS Littleton | 15.40% | 18.00% |
| 45 | ELEVATIONS Boulder | 15.49% | 10.99% |
| 46 | PARTNER COLORADO Arvada | 16.33% | 10.24% |
| 47 | FITZSIMONS AURORA | 16.78% | 12.56% |
| 48 | CANVAS LONE TREE | 17.65% | 14.77% |
| 49 | ENT Colorado Spring | 21.49% | 17.74% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Colorado accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Colorado offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.