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Credit Cards · Albert Lea, Minnesota

Best Credit Union Credit Card Rates in Albert Lea, Minnesota

2 credit unions in Albert Lea report credit card APRs to the NCUA. Rates range from 8.96% to 13.90%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

8.96%

Lowest Card APR

11.43%

City Average APR

Credit Card APRs — Albert Lea, Minnesota

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1TRADES & LABOR

★ 4.8 · 15 reviews

8.96%11.50%
2UNITED EMPLOYEES

★ 3.8 · 21 reviews

13.90%13.90%
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 Albert Lea 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 Albert Lea credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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