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Credit Cards · Springfield, Massachusetts

Best Credit Union Credit Card Rates in Springfield, Massachusetts

3 credit unions in Springfield report credit card APRs to the NCUA. Rates range from 12.65% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

12.65%

Lowest Card APR

14.72%

City Average APR

Credit Card APRs — Springfield, Massachusetts

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1FREEDOM

★ 3.7 · 57 reviews

12.65%12.75%
2GREATER SPRINGFIELD

★ 4.0 · 89 reviews

13.50%11.09%
3MASSMUTUAL

★ 4.4 · 2,411 reviews

18.00%9.75%
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 Springfield 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 Springfield credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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