M

Credit Cards · West Des Moines, Iowa

Best Credit Union Credit Card Rates in West Des Moines, Iowa

1 credit union in West Des Moines report credit card APRs to the NCUA. Lowest rate: 12.52%.

Updated Q1 2026 · NCUA Call Report data

1

CUs Reporting Rates

12.52%

Lowest Card APR

12.52%

City Average APR

Credit Card APRs — West Des Moines, Iowa

1 credit union sorted by APR

#Credit UnionCard APRPersonal Loan APR
1FINANCIAL PLUS

★ 4.4 · 112 reviews

12.52%7.89%
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 West Des Moines 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 West Des Moines credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Also Compare in West Des Moines

Best Car Loan Rates →Best Personal Loan Rates →All of Iowa →

Browse All Credit Unions in West Des Moines

See member reviews, branch locations, and full rate details.

Credit Unions in West Des Moines →All of Iowa →