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Credit Cards · Sioux Falls, South Dakota

Best Credit Union Credit Card Rates in Sioux Falls, South Dakota

3 credit unions in Sioux Falls report credit card APRs to the NCUA. Rates range from 6.88% to 11.20%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

6.88%

Lowest Card APR

9.37%

City Average APR

Credit Card APRs — Sioux Falls, South Dakota

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1VOYAGE

★ 4.4 · 110 reviews

6.88%15.00%
2BLUESTONE

★ 4.0 · 22 reviews

10.02%11.54%
3LEVO

★ 4.2 · 88 reviews

11.20%11.49%
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 Sioux Falls 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 Sioux Falls credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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