Credit Cards · Des Moines, Iowa
6 credit unions in Des Moines report credit card APRs to the NCUA. Rates range from 8.30% to 10.90%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
8.30%
Lowest Card APR
9.85%
City Average APR
6 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | AFFINITY ★ 4.8 · 1,669 reviews | 8.30% | 10.72% |
| 2 | SERVE ★ 4.0 · 31 reviews | 8.90% | 11.19% |
| 3 | DES MOINES METRO ★ 3.7 · 48 reviews | 9.90% | 11.99% |
| 4 | CAPITOL VIEW ★ 5.0 · 102 reviews | 10.50% | 9.99% |
| 5 | PREMIER ★ 4.5 · 131 reviews | 10.57% | 11.59% |
| 6 | JOURNEY ★ 4.6 · 100 reviews | 10.90% | 12.64% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Des Moines could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Des Moines credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.