Credit Cards · Saginaw, Michigan
7 credit unions in Saginaw report credit card APRs to the NCUA. Rates range from 8.90% to 11.96%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
8.90%
Lowest Card APR
10.49%
City Average APR
7 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | WILDFIRE ★ 4.5 · 149 reviews | 8.90% | 10.99% |
| 2 | FAMILY FIRST ★ 4.0 · 51 reviews | 8.99% | 14.57% |
| 3 | JOLT ★ 4.1 · 132 reviews | 10.03% | 12.40% |
| 4 | TEAM ONE ★ 4.6 · 204 reviews | 10.90% | 14.90% |
| 5 | HEALTH ADVANTAGE ★ 4.5 · 163 reviews | 10.90% | 10.99% |
| 6 | UNITED FINANCIAL ★ 4.5 · 74 reviews | 11.75% | 22.00% |
| 7 | LAKE HURON ★ 4.5 · 37 reviews | 11.96% | 12.30% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Saginaw could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Saginaw credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.