Credit Cards · Salt Lake City, Utah
10 credit unions in Salt Lake City report credit card APRs to the NCUA. Rates range from 8.74% to 12.49%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
8.74%
Lowest Card APR
10.84%
City Average APR
10 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HERCULES FIRST ★ 4.5 · 108 reviews | 8.74% | 15.77% |
| 2 | NATIONAL J. A. C. L. ★ 4.7 · 31 reviews | 9.90% | 10.62% |
| 3 | P & S ★ 4.3 · 29 reviews | 9.99% | 14.04% |
| 4 | RIDGELINE ★ 4.4 · 31 reviews | 10.14% | 11.71% |
| 5 | VAREX ★ 5.0 · 5 reviews | 10.90% | 9.96% |
| 6 | HI-LAND ★ 4.7 · 30 reviews | 10.90% | 9.50% |
| 7 | LU 354 I B E W ★ 4.4 · 19 reviews | 10.95% | 13.00% |
| 8 | UTAH FIRST ★ 4.9 · 2,289 reviews | 11.90% | 13.75% |
| 9 | CANYON VIEW ★ 3.3 · 3 reviews | 12.49% | 17.99% |
| 10 | GRANITE ★ 5.0 · 200 reviews | 12.49% | 16.00% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Salt Lake City could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Salt Lake City credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.