Credit Cards · Billings, Montana
4 credit unions in Billings report credit card APRs to the NCUA. Rates range from 8.99% to 13.49%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
8.99%
Lowest Card APR
11.36%
City Average APR
4 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | RIMROCK ★ 3.6 · 20 reviews | 8.99% | 12.88% |
| 2 | ALTANA ★ 3.9 · 114 reviews | 9.95% | 9.49% |
| 3 | BILLINGS ★ 4.7 · 281 reviews | 13.00% | 9.24% |
| 4 | VALLEY FINANCIAL ★ 4.5 · 167 reviews | 13.49% | 12.49% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Billings could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Billings credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.