Credit Cards · Traverse City, Michigan

Best Credit Union Credit Card Rates in Traverse City, Michigan

3 credit unions in Traverse City report credit card APRs to the NCUA. Rates range from 9.65% to 12.79%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.65%

Lowest Card APR

10.81%

City Average APR

Credit Card APRs — Traverse City, Michigan

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	TRAVERSE CATHOLIC ★ 3.8 · 19 reviews	9.65%	12.00%
2	NORTHWEST CONSUMERS ★ 4.3 · 44 reviews	9.99%	11.85%
3	TBA ★ 4.5 · 98 reviews	12.79%	11.56%

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

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