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Credit Cards · Colorado Spring, Colorado

Best Credit Union Credit Card Rates in Colorado Spring, Colorado

4 credit unions in Colorado Spring report credit card APRs to the NCUA. Rates range from 9.25% to 21.49%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

9.25%

Lowest Card APR

14.60%

City Average APR

Credit Card APRs — Colorado Spring, Colorado

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SCHOOL DISTRICT 3

★ 3.9 · 20 reviews

9.25%10.36%
2AIR ACADEMY

★ 4.5 · 298 reviews

13.25%14.00%
3ONE THIRTEEN

★ 3.9 · 14 reviews

14.40%8.33%
4ENT

★ 4.0 · 197 reviews

21.49%17.74%
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 Colorado Spring 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 Colorado Spring credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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