M

Credit Cards · Missoula, Montana

Best Credit Union Credit Card Rates in Missoula, Montana

2 credit unions in Missoula report credit card APRs to the NCUA. Rates range from 9.90% to 11.58%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.90%

Lowest Card APR

10.74%

City Average APR

Credit Card APRs — Missoula, Montana

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1MONTANA EDUCATORS'

★ 4.8 · 13 reviews

9.90%10.00%
2CLEARWATER

★ 3.6 · 109 reviews

11.58%10.88%
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 Missoula 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 Missoula credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Also Compare in Missoula

Best Car Loan Rates →Best Personal Loan Rates →All of Montana →

Browse All Credit Unions in Missoula

See member reviews, branch locations, and full rate details.

Credit Unions in Missoula →All of Montana →