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Credit Cards · Reno, Nevada

Best Credit Union Credit Card Rates in Reno, Nevada

2 credit unions in Reno report credit card APRs to the NCUA. Rates range from 8.99% to 11.25%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

8.99%

Lowest Card APR

10.12%

City Average APR

Credit Card APRs — Reno, Nevada

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SIERRA PACIFIC

★ 4.8 · 83 reviews

8.99%8.99%
2GREAT BASIN

★ 3.4 · 81 reviews

11.25%14.00%
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 Reno 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 Reno credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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