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Credit Cards · Denver, Colorado

Best Credit Union Credit Card Rates in Denver, Colorado

5 credit unions in Denver report credit card APRs to the NCUA. Rates range from 11.75% to 13.40%.

Updated Q1 2026 · NCUA Call Report data

5

CUs Reporting Rates

11.75%

Lowest Card APR

12.51%

City Average APR

Credit Card APRs — Denver, Colorado

5 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1DENVER FIRE DEPARTMENT

★ 3.3 · 26 reviews

11.75%9.50%
2AFFIDIAN

★ 4.2 · 124 reviews

12.15%13.44%
3CREDIT UNION OF COLORADO, A

★ 3.6 · 27 reviews

12.25%14.94%
4DENVER COMMUNITY CU D.B.A. ZING CU

★ 4.0 · 519 reviews

12.99%18.00%
5WESTERRA

★ 4.3 · 553 reviews

13.40%10.24%
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 Denver 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 Denver credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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