Credit Cards · Ottumwa, Iowa

Best Credit Union Credit Card Rates in Ottumwa, Iowa

3 credit unions in Ottumwa report credit card APRs to the NCUA. Rates range from 10.90% to 11.99%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.90%

Lowest Card APR

11.60%

City Average APR

Credit Card APRs — Ottumwa, Iowa

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MERIDIAN ★ 4.9 · 61 reviews	10.90%	9.75%
2	RIVER COMMUNITY ★ 4.6 · 10 reviews	11.90%	12.25%
3	COMMUNITY 1ST ★ 4.6 · 40 reviews	11.99%	19.00%

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

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