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Credit Cards · Duluth, Minnesota

Best Credit Union Credit Card Rates in Duluth, Minnesota

5 credit unions in Duluth report credit card APRs to the NCUA. Rates range from 8.55% to 19.29%.

Updated Q1 2026 · NCUA Call Report data

5

CUs Reporting Rates

8.55%

Lowest Card APR

13.39%

City Average APR

Credit Card APRs — Duluth, Minnesota

5 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1MINNESOTA POWER EMPLOYEES

★ 5.0 · 1 reviews

8.55%9.64%
2NORTHERN COMMUNITIES

★ 4.4 · 80 reviews

11.13%13.13%
3MEMBERS COOPERATIVE

★ 3.3 · 86 reviews

13.75%11.04%
4HARBOR POINTE

★ 2.5 · 32 reviews

14.25%11.23%
5SHARE ADVANTAGE

★ 5.0 · 11 reviews

19.29%12.59%
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 Duluth 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 Duluth credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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