Credit Cards · Grand Forks, North Dakota

Best Credit Union Credit Card Rates in Grand Forks, North Dakota

4 credit unions in Grand Forks report credit card APRs to the NCUA. Rates range from 8.49% to 11.30%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.49%

Lowest Card APR

9.65%

City Average APR

Credit Card APRs — Grand Forks, North Dakota

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	NORTHERN VALLEY ★ 4.9 · 12 reviews	8.49%	12.00%
2	MED PARK ★ 5.0 · 4 reviews	8.90%	9.00%
3	RIVERFORK ★ 4.3 · 14 reviews	9.90%	13.45%
4	UNIVERSITY ★ 4.6 · 18 reviews	11.30%	11.40%

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

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