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Credit Cards · Saint Joseph, Missouri

Best Credit Union Credit Card Rates in Saint Joseph, Missouri

2 credit unions in Saint Joseph report credit card APRs to the NCUA. Rates range from 11.75% to 13.90%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

11.75%

Lowest Card APR

12.83%

City Average APR

Credit Card APRs — Saint Joseph, Missouri

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1POSTAL & COMMUNITY

★ 3.4 · 48 reviews

11.75%11.25%
2ST. JOSEPH TEACHERS'

★ 5.0 · 3 reviews

13.90%14.01%
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 Saint Joseph 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 Saint Joseph credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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