Credit Cards · Flint, Michigan

Best Credit Union Credit Card Rates in Flint, Michigan

2 credit unions in Flint report credit card APRs to the NCUA. Rates range from 10.91% to 13.75%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.91%

Lowest Card APR

12.33%

City Average APR

Credit Card APRs — Flint, Michigan

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SOVITA ★ 4.2 · 52 reviews	10.91%	10.08%
2	FINANCIAL PLUS ★ 3.9 · 187 reviews	13.75%	13.24%

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

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Browse All Credit Unions in Flint

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