Credit Cards · Oregon
41 credit unions in Oregon report credit card APRs to the NCUA. Rates range from 8.55% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
41
CUs Reporting Rates
8.55%
Lowest Card APR
11.97%
State Average APR
23
Cities Covered
41 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | IBEW & UNITED WORKERS PORTLAND | 8.55% | 10.90% |
| 2 | POINT WEST Portland | 8.95% | 13.50% |
| 3 | OREGONIANS Milwaukie | 9.89% | 11.99% |
| 4 | GATEWAY Springfield | 9.90% | 11.31% |
| 5 | SUNSET PORTLAND | 9.90% | 11.50% |
| 6 | CONSOLIDATED PORTLAND | 9.95% | 11.96% |
| 7 | SAGE Klamath Falls | 9.99% | 10.99% |
| 8 | IBEW/SJ CASCADE Salem | 9.99% | 9.90% |
| 9 | TEAMSTERS COUNCIL #37 Portland | 9.99% | 9.99% |
| 10 | CASCADE COMMUNITY Roseburg | 10.22% | 8.84% |
| 11 | CENTRAL WILLAMETTE Albany | 10.24% | 11.75% |
| 12 | OREGON STATE Corvallis | 10.25% | 10.50% |
| 13 | UNITED TRADES TUALATIN | 10.50% | 13.00% |
| 14 | CASTPARTS EMPLOYEES Portland | 10.54% | 10.35% |
| 15 | IRONWORKERS USA Portland | 10.61% | 12.50% |
| 16 | NW PREFERRED TIGARD | 10.75% | 12.21% |
| 17 | SOUTH COAST ILWU NORTH BEND | 10.90% | 12.63% |
| 18 | CUTTING EDGE Milwaukie | 10.92% | 12.47% |
| 19 | OLD WEST JOHN DAY | 10.99% | 18.00% |
| 20 | MID OREGON Bend | 11.17% | 12.98% |
| 21 | RIVERMARK COMMUNITY Oregon City | 11.90% | 13.90% |
| 22 | FORRIT Clackamas | 11.95% | 7.25% |
| 23 | EWEB EMPLOYEES Eugene | 11.95% | 12.00% |
| 24 | UNITUS COMMUNITY Tigard | 12.24% | 9.50% |
| 25 | MARION AND POLK SCHOOLS Salem | 12.50% | 13.90% |
| 26 | NW PRIORITY Portland | 12.86% | 13.18% |
| 27 | 44 NORTH Lebanon | 12.90% | 14.50% |
| 28 | NORTHWEST ADVENTIST Portland | 12.90% | 11.49% |
| 29 | ROGUE Medford | 13.00% | 13.25% |
| 30 | TRAILHEAD PORTLAND | 13.14% | 11.19% |
| 31 | OREGON COMMUNITY Eugene | 13.49% | 14.49% |
| 32 | FIRST COMMUNITY Coquille | 13.50% | 11.49% |
| 33 | VALLEY Salem | 13.50% | 13.89% |
| 34 | ONPOINT COMMUNITY Portland | 13.50% | 12.00% |
| 35 | BENTON COUNTY SCHOOLS Corvallis | 13.89% | 8.66% |
| 36 | HERITAGE GROVE Salem | 14.69% | 13.31% |
| 37 | SELCO COMMUNITY Springfield | 14.82% | 14.96% |
| 38 | WAUNA Clatskanie | 14.90% | 11.74% |
| 39 | EMBOLD Oregon City | 15.03% | 9.87% |
| 40 | PACIFIC N W PORTLAND | 15.80% | 13.40% |
| 41 | INROADS Saint Helens | 18.00% | 14.00% |
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 Oregon 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 Oregon 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.