Credit Cards · Woodbury, Minnesota

Best Credit Union Credit Card Rates in Woodbury, Minnesota

3 credit unions in Woodbury report credit card APRs to the NCUA. Rates range from 12.49% to 14.25%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.49%

Lowest Card APR

13.08%

City Average APR

Credit Card APRs — Woodbury, Minnesota

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	ASSOCIATED HEALTHCARE ★ 4.3 · 34 reviews	12.49%	11.27%
2	IDEAL ★ 4.1 · 263 reviews	12.50%	—
3	PIPEFITTERS-STEAMFITTERS ★ 5.0 · 9 reviews	14.25%	7.75%

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

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