Credit Cards · Roswell, New Mexico

Best Credit Union Credit Card Rates in Roswell, New Mexico

2 credit unions in Roswell report credit card APRs to the NCUA. Rates range from 12.95% to 13.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.95%

Lowest Card APR

13.43%

City Average APR

Credit Card APRs — Roswell, New Mexico

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	THE FLORIST ★ 3.7 · 3 reviews	12.95%	12.20%
2	ROSWELL COMMUNITY ★ 4.4 · 48 reviews	13.90%	14.65%

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

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