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Credit Cards · Butte, Montana

Best Credit Union Credit Card Rates in Butte, Montana

4 credit unions in Butte report credit card APRs to the NCUA. Rates range from 1.00% to 9.90%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

1.00%

Lowest Card APR

7.43%

City Average APR

Credit Card APRs — Butte, Montana

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1MOUNTAIN WEST

★ 5.0 · 7 reviews

1.00%12.00%
2BUTTE COMMUNITY

★ 3.7 · 23 reviews

8.90%9.44%
3MILE HIGH

★ 3.9 · 7 reviews

9.90%10.93%
4NORTHWESTERN ENERGY EMPLOYEES

★ 3.8 · 4 reviews

9.90%11.20%
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 Butte 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 Butte credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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