Credit Cards · Milwaukie, Oregon

Best Credit Union Credit Card Rates in Milwaukie, Oregon

2 credit unions in Milwaukie report credit card APRs to the NCUA. Rates range from 9.89% to 10.92%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.89%

Lowest Card APR

10.41%

City Average APR

Credit Card APRs — Milwaukie, Oregon

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	OREGONIANS ★ 4.6 · 143 reviews	9.89%	11.99%
2	CUTTING EDGE ★ 4.2 · 17 reviews	10.92%	12.47%

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

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Browse All Credit Unions in Milwaukie

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