Credit Cards · Ames, Iowa

Best Credit Union Credit Card Rates in Ames, Iowa

2 credit unions in Ames report credit card APRs to the NCUA. Rates range from 10.50% to 10.62%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.50%

Lowest Card APR

10.56%

City Average APR

Credit Card APRs — Ames, Iowa

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	RIVER VALLEY ★ 3.5 · 31 reviews	10.50%	11.29%
2	GREATER IOWA ★ 4.2 · 183 reviews	10.62%	16.40%

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

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