Why do credit unions have lower credit card rates in Michigan?

Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members as lower loan rates — including credit cards. The average credit union card APR is typically 4–6 points lower than bank cards.

Credit Cards · Michigan

Best Credit Union Credit Card Rates in Michigan

155 credit unions in Michigan report credit card APRs to the NCUA. Rates range from 4.83% to 20.49%.

Updated Q1 2026 · NCUA Call Report data

155

CUs Reporting Rates

4.83%

Lowest Card APR

11.67%

State Average APR

108

Cities Covered

Credit Card APRs — Michigan

155 credit unions with reported rates, sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CIRCLE Niles	4.83%	10.14%
2	RIVER VALLEY Ada	7.50%	12.99%
3	CONSTRUCTION BINGHAM FARMS	7.60%	8.00%
4	POLISH-AMERICAN Troy	7.90%	7.15%
5	MUSKEGON MUSKEGON	8.00%	11.84%
6	WEST MICHIGAN POSTAL SERVICE MUSKEGON	8.00%	9.80%
7	SETTLERS BRUCE CROSSING	8.00%	10.00%
8	MARQUETTE COMMUNITY Marquette	8.49%	8.90%
9	LAFCU LANSING	8.49%	18.00%
10	LAKESHORE Muskegon	8.90%	7.99%
11	WILDFIRE Saginaw	8.90%	10.99%
12	SECURITY GRAND BLANC	8.90%	9.24%
13	SOO CO-OP Sault Sainte Ma	8.95%	10.00%
14	OUR Royal Oak	8.95%	8.99%
15	UNITED BAY COMMUNITY Bay City	8.96%	9.75%
16	SUNRISE FAMILY Bay City	8.99%	9.99%
17	UNIVERSITY OF MICHIGAN Ann Arbor	8.99%	9.75%
18	FAMILY FIRST SAGINAW	8.99%	14.57%
19	FRANKENMUTH Frankenmuth	9.25%	10.62%
20	WEXFORD COMMUNITY Cadillac	9.25%	12.25%
21	FAMILY FINANCIAL Norton Shores	9.50%	9.50%
22	TRI-CITIES Grand Haven	9.50%	12.50%
23	U.P. STATE Escanaba	9.50%	10.00%
24	DORT FINANCIAL GRAND BLANC	9.50%	11.99%
25	MICHIGAN UNITED Auburn Hills	9.59%	11.52%
26	TRAVERSE CATHOLIC TRAVERSE CITY	9.65%	12.00%
27	JOURNEY SAINT JOHNS	9.74%	11.95%
28	CHRISTIAN FINANCIAL Sterling Height	9.75%	10.49%
29	HARBORLIGHT WHITEHALL	9.76%	12.31%
30	AEROQUIP JACKSON	9.80%	8.50%
31	BREAKWATER HOUGHTON	9.81%	11.76%
32	ZEAL Livonia	9.90%	11.50%
33	GRATIOT COMMUNITY Alma	9.90%	8.65%
34	FOREST AREA Fife Lake	9.90%	14.00%
35	MICHIGAN LEGACY Wyandotte	9.90%	7.50%
36	SERVICE 1 Muskegon	9.90%	11.40%
37	TOTAL COMMUNITY TAYLOR	9.90%	14.10%
38	MICHIGAN STATE UNIVERSITY East Lansing	9.90%	17.90%
39	AAC Grand Rapids	9.95%	12.99%
40	PREFERRED Grand Rapids	9.99%	11.25%
41	PORT CITY MUSKEGON	9.99%	10.36%
42	IRON MOUNTAIN KINGSFORD COMMUNITY KINGSFORD	9.99%	8.75%
43	GERBER Fremont	9.99%	13.50%
44	FREESTAR FINANCIAL Mount Clemens	9.99%	10.99%
45	AWAKON ONAWAY	9.99%	10.50%
46	NORTHWEST CONSUMERS TRAVERSE CITY	9.99%	11.85%
47	AMERICAN 1 JACKSON	10.00%	11.00%
48	ROUTE 31 Muskegon	10.00%	11.24%
49	ALPENA COMMUNITY Alpena	10.00%	8.49%
50	UKRAINIAN SELFRELIANCE MICHIGAN Warren	10.00%	11.40%
51	JOLT SAGINAW	10.03%	12.40%
52	FINANCIALEDGE Bay City	10.12%	13.97%
53	THORNAPPLE Hastings	10.16%	13.76%
54	LENCO Adrian	10.38%	14.55%
55	DOW Midland	10.49%	8.00%
56	MEIJER GRAND RAPIDS	10.49%	9.88%
57	MANISTIQUE MANISTIQUE	10.50%	8.61%
58	WMCU Grand Rapids	10.62%	11.53%
59	COMPASS Sparta	10.71%	12.69%
60	OMNI COMMUNITY Battle Creek	10.74%	11.49%
61	ST. FRANCIS X Petoskey	10.75%	9.99%
62	ADVENTURE Grand Rapids	10.75%	11.50%
63	ISABELLA COMMUNITY MT Pleasant	10.75%	18.00%
64	MICHIGAN SCHOOLS AND GOVERNMENT Clinton Townshi	10.83%	11.00%
65	KALSEE Kalamazoo	10.88%	9.84%
66	GENISYS AUBURN HILLS	10.90%	12.90%
67	TEAM ONE SAGINAW	10.90%	14.90%
68	AUTO-OWNERS ASSOCIATES LANSING	10.90%	11.25%
69	HEALTH ADVANTAGE SAGINAW	10.90%	10.99%
70	SOVITA Flint	10.91%	10.08%
71	MONROE COMMUNITY Monroe	10.99%	11.75%
72	NORTH CENTRAL AREA Houghton Lake	10.99%	11.99%
73	STRAITS AREA Cheboygan	10.99%	10.50%
74	LOC Farmington	10.99%	12.91%
75	ELECTRICAL WORKERS LOCAL 58 DETROIT	10.99%	8.99%
76	TANDEM Warren	11.00%	13.70%
77	H.P.C. ALPENA	11.00%	10.50%
78	CORNERSTONE COMMUNITY FINANCIAL Auburn Hills	11.21%	13.94%
79	KELLOGG COMMUNITY BATTLE CREEK	11.25%	13.10%
80	WAYNE-WESTLAND Westland	11.25%	17.95%
81	INTERNATIONAL UAW DETROIT	11.25%	5.50%
82	CONSUMERS PROFESSIONAL LANSING	11.37%	13.41%
83	MICHIGAN COASTAL Muskegon	11.49%	13.49%
84	LAKE TRUST Brighton	11.65%	13.00%
85	DIVERSIFIED MEMBERS Detroit	11.71%	14.44%
86	SHORE TO SHORE COMMUNITY Trenton	11.75%	12.40%
87	UNITED FINANCIAL Saginaw	11.75%	22.00%
88	CONSUMERS Oshtemo	11.87%	13.97%
89	FILER Manistee	11.88%	11.00%
90	COMMUNITY FIRST LAKEVIEW	11.90%	10.50%
91	TAHQUAMENON AREA Newberry	11.90%	11.20%
92	TRUNORTH Ishpeming	11.90%	10.45%
93	LAKE HURON Saginaw	11.96%	12.30%
94	TRUE COMMUNITY Jackson	11.99%	25.00%
95	DOWAGIAC AREA Dowagiac	12.00%	9.25%
96	FLAGSHIP COMMUNITY Port Huron	12.00%	12.25%
97	MEMBERS FIRST Midland	12.19%	18.00%
98	FARM BUREAU FAMILY Lansing	12.24%	12.16%
99	THE LOCAL Sterling Height	12.43%	13.80%
100	PEOPLE DRIVEN Southfield	12.45%	15.00%
101	KENOWA COMMUNITY WYOMING	12.50%	10.57%
102	GREAT LAKES Bay City	12.60%	15.36%
103	ARBOR FINANCIAL KALAMAZOO	12.75%	9.50%
104	TBA TRAVERSE CITY	12.79%	11.56%
105	SAFE HARBOR Ludington	12.80%	10.51%
106	WALLED LAKE SCHOOLS Wolverine Lake	12.84%	8.99%
107	INTEGRA FIRST Powers	12.90%	13.08%
108	DETOUR DRUMMOND COMMUNITY DRUMMOND ISLAND	12.90%	9.39%
109	GREAT LAKES FIRST ESCANABA	12.90%	10.99%
110	COMMUNITY FOCUS Brownstown	12.90%	10.00%
111	BARAGA COUNTY LANSE	12.90%	11.50%
112	DFCU FINANCIAL Dearborn	12.90%	15.74%
113	ADVANTAGE ONE Brownstown	12.93%	11.56%
114	WOLVERINE STATE Alpena	12.96%	10.00%
115	BLUE WATER PORT HURON	12.96%	9.78%
116	ALPENA-ALCONA AREA Alpena	12.96%	8.95%
117	SOUTH CENTRAL JACKSON	12.99%	10.49%
118	GRACO Alma	12.99%	11.48%
119	MICHIGAN ONE COMMUNITY Ionia	12.99%	13.00%
120	IGNITE Battle Creek	12.99%	13.50%
121	LINCOLN PARK COMMUNITY Lincoln Park	13.20%	12.58%
122	COMMUNITY FINANCIAL PLYMOUTH	13.20%	13.20%
123	LAKE MICHIGAN Grand Rapids	13.50%	12.00%
124	DOWNRIVER COMMUNITY Ecorse	13.60%	11.88%
125	PENINSULA Escanaba	13.62%	13.22%
126	EXTRA WARREN	13.67%	15.17%
127	FINANCIAL PLUS Flint	13.75%	13.24%
128	MARSHALL COMMUNITY Marshall	13.75%	13.99%
129	CASE Lansing	13.77%	15.37%
130	CHIROPRACTIC FARMINGTON	13.80%	11.50%
131	EMBERS Marquette	13.90%	12.00%
132	MICHIGAN EDUCATIONAL Plymouth	13.90%	9.95%
133	GRAND TRUNK BATTLE CREEK EMP BATTLE CREEK	13.90%	13.35%
134	SOUTHEAST MICHIGAN STATE EMPLOYEES West Bloomfield	13.92%	10.25%
135	INTANDEM Grand Rapids	14.00%	13.25%
136	CHIEF FINANCIAL Rochester Hills	14.00%	9.43%
137	PFCU Portland	14.16%	14.53%
138	ADVIA Kalamazoo	14.24%	15.25%
139	BEST FINANCIAL MUSKEGON	14.26%	12.88%
140	LIMESTONE FINANCIAL Manistique	14.40%	12.66%
141	GR CONSUMERS Wyoming	14.65%	15.00%
142	TLC COMMUNITY Adrian	14.75%	13.49%
143	ALLIANCE CATHOLIC Farmington Hill	14.86%	17.43%
144	A.B.D. WARREN	14.90%	12.70%
145	COMMUNITY WEST Kentwood	14.99%	13.75%
146	HONOR BERRIEN SPRINGS	15.23%	16.10%
147	VIBE Novi	16.52%	19.72%
148	UNITED St Joseph	16.75%	16.63%
149	MICHIGAN COLUMBUS Livonia	17.00%	12.31%
150	ONE DETROIT Detroit	17.15%	13.57%
151	MICHIGAN FIRST Lathrup Village	17.24%	13.99%
152	ELGA Grand Blanc	17.75%	18.90%
153	UNITED CHURCHES Taylor	18.00%	14.00%
154	CREDIT UNION ONE Ferndale	20.09%	13.85%
155	COMMUNITY CHOICE Farmington Hill	20.49%	22.24%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Frequently Asked Questions

Why do credit unions have lower credit card rates?

Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.

Can anyone get a credit union credit card in Michigan?

You must be a member first. Most community credit unions in Michigan accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.

Are these APRs accurate?

These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.

Do credit union credit cards have rewards?

Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.

Lower APR Matters More Than Rewards

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.

Balance Transfers

Many credit unions in Michigan offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.

Best Credit Card Rates by City in Michigan

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