Credit Cards · Utah
34 credit unions in Utah report credit card APRs to the NCUA. Rates range from 8.24% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
34
CUs Reporting Rates
8.24%
Lowest Card APR
11.56%
State Average APR
21
Cities Covered
34 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | KINGS PEAK Roosevelt | 8.24% | 12.04% |
| 2 | HERCULES FIRST SALT LAKE CITY | 8.74% | 15.77% |
| 3 | DESERT RIVERS Moab | 9.49% | 15.00% |
| 4 | HORIZON UTAH Farmington | 9.90% | 12.24% |
| 5 | AMERICAN UNITED West Jordan | 9.90% | 11.24% |
| 6 | FIREFIGHTERS Draper | 9.90% | 13.90% |
| 7 | NATIONAL J. A. C. L. Salt Lake City | 9.90% | 10.62% |
| 8 | UTAH POWER Murray | 9.90% | 10.00% |
| 9 | P & S Salt Lake City | 9.99% | 14.04% |
| 10 | RIDGELINE SALT LAKE CITY | 10.14% | 11.71% |
| 11 | CYPRUS West Jordan | 10.49% | 12.49% |
| 12 | JORDAN South Jordan | 10.77% | 11.02% |
| 13 | VAREX Salt Lake City | 10.90% | 9.96% |
| 14 | HI-LAND SALT LAKE CITY | 10.90% | 9.50% |
| 15 | DESERET FIRST West Valley Cit | 10.90% | 12.39% |
| 16 | LU 354 I B E W SALT LAKE CITY | 10.95% | 13.00% |
| 17 | ELEVATE Brigham City | 11.25% | 14.75% |
| 18 | WASATCH PEAKS OGDEN | 11.49% | 15.90% |
| 19 | MOUNTAIN AMERICA SANDY | 11.49% | 13.24% |
| 20 | GOLDENWEST Ogden | 11.49% | 15.90% |
| 21 | EDUCATION 1ST Ogden | 11.88% | 12.42% |
| 22 | UTAH FIRST Salt Lake City | 11.90% | 13.75% |
| 23 | MEMBERS FIRST Brigham City | 12.10% | 13.56% |
| 24 | EASTERN UTAH COMMUNITY Price | 12.49% | 18.00% |
| 25 | GRANITE Salt Lake City | 12.49% | 16.00% |
| 26 | CANYON VIEW Salt Lake City | 12.49% | 17.99% |
| 27 | ALPINE Orem | 12.50% | 11.25% |
| 28 | UTAH HERITAGE Moroni | 12.85% | 13.69% |
| 29 | ASCENT OGDEN | 13.25% | 11.45% |
| 30 | FREEDOM Provo | 13.56% | 14.33% |
| 31 | PACIFIC HORIZON Springville | 13.90% | 12.75% |
| 32 | MILLARD COUNTY FILLMORE | 14.00% | 12.99% |
| 33 | AMERICA FIRST RIVERDALE | 14.99% | 16.49% |
| 34 | UTAH COMMUNITY Provo | 18.00% | 13.37% |
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 Utah 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 Utah 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.