Credit Cards · Rochester, Minnesota

Best Credit Union Credit Card Rates in Rochester, Minnesota

2 credit unions in Rochester report credit card APRs to the NCUA. Rates range from 10.75% to 13.30%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.75%

Lowest Card APR

12.03%

City Average APR

Credit Card APRs — Rochester, Minnesota

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MAYO EMPLOYEES	10.75%	11.90%
2	FIRST ALLIANCE ★ 4.2 · 96 reviews	13.30%	10.65%

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

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Browse All Credit Unions in Rochester

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