Credit Cards · Idaho Falls, Idaho

Best Credit Union Credit Card Rates in Idaho Falls, Idaho

3 credit unions in Idaho Falls report credit card APRs to the NCUA. Rates range from 10.39% to 12.67%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.39%

Lowest Card APR

11.79%

City Average APR

Credit Card APRs — Idaho Falls, Idaho

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MEMBERS PREFERRED ★ 3.5 · 37 reviews	10.39%	11.18%
2	FRONTIER ★ 3.9 · 303 reviews	12.30%	13.82%
3	WESTMARK ★ 4.3 · 105 reviews	12.67%	14.05%

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 Idaho Falls 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 Idaho Falls credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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