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Credit Cards · Warwick, Rhode Island

Best Credit Union Credit Card Rates in Warwick, Rhode Island

3 credit unions in Warwick report credit card APRs to the NCUA. Rates range from 10.65% to 14.90%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

10.65%

Lowest Card APR

12.51%

City Average APR

Credit Card APRs — Warwick, Rhode Island

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1RHODE ISLAND

★ 2.9 · 73 reviews

10.65%10.65%
2WAVE

★ 4.2 · 33 reviews

11.99%9.99%
3GREENWOOD

★ 4.6 · 1,897 reviews

14.90%15.75%
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 Warwick 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 Warwick credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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