Credit Cards · North Dakota
22 credit unions in North Dakota report credit card APRs to the NCUA. Rates range from 6.90% to 20.74%.
Updated Q1 2026 · NCUA Call Report data
22
CUs Reporting Rates
6.90%
Lowest Card APR
11.53%
State Average APR
16
Cities Covered
22 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | DAKOTA WEST WATFORD CITY | 6.90% | 3.49% |
| 2 | ASPIRE COMMUNITY MINOT | 6.98% | 12.50% |
| 3 | NORTHERN VALLEY Grand Forks | 8.49% | 12.00% |
| 4 | MED PARK Grand Forks | 8.90% | 9.00% |
| 5 | AFFINITY FIRST Minot | 8.90% | 17.50% |
| 6 | TOWN AND COUNTRY MINOT | 9.15% | 9.48% |
| 7 | DAKOTA PLAINS Edgeley | 9.42% | 9.16% |
| 8 | RIVERFORK GRAND FORKS | 9.90% | 13.45% |
| 9 | RAILWAY MANDAN | 9.95% | 12.25% |
| 10 | CCE Fargo | 10.80% | 15.00% |
| 11 | COMMUNITY NEW ROCKFORD | 11.00% | 11.00% |
| 12 | UNIVERSITY Grand Forks | 11.30% | 11.40% |
| 13 | FARGO VA FARGO | 11.50% | 10.20% |
| 14 | POSTAL FAMILY FARGO | 11.62% | 12.26% |
| 15 | VUE COMMUNITY BISMARCK | 11.90% | 13.25% |
| 16 | NORTH STAR COMMUNITY Maddock | 13.00% | 10.99% |
| 17 | FIRST COMMUNITY Jamestown | 13.75% | 9.74% |
| 18 | LAMOURE LAMOURE | 13.90% | 15.00% |
| 19 | UNITED SAVINGS FARGO | 14.41% | 14.65% |
| 20 | CAPITAL Bismarck | 15.49% | 12.00% |
| 21 | FARGO PUBLIC SCHOOLS Fargo | 15.75% | 12.00% |
| 22 | HOMETOWN KULM | 20.74% | 13.00% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in North Dakota accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in North Dakota offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.