Credit Cards · St Joseph, Michigan

Best Credit Union Credit Card Rates in St Joseph, Michigan

1 credit union in St Joseph report credit card APRs to the NCUA. Lowest rate: 16.75%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

16.75%

Lowest Card APR

16.75%

City Average APR

Credit Card APRs — St Joseph, Michigan

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	UNITED ★ 4.1 · 117 reviews	16.75%	16.63%

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

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