M

Credit Cards · Bellingham, Washington

Best Credit Union Credit Card Rates in Bellingham, Washington

4 credit unions in Bellingham report credit card APRs to the NCUA. Rates range from 9.50% to 13.99%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

9.50%

Lowest Card APR

12.57%

City Average APR

Credit Card APRs — Bellingham, Washington

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1WESTEDGE

★ 4.5 · 56 reviews

9.50%12.33%
2WHATCOM EDUCATIONAL

★ 2.9 · 12 reviews

12.90%12.00%
3INDUSTRIAL CU OF WHATCOM COUNTY

★ 4.5 · 138 reviews

13.90%10.00%
4NORTH COAST

★ 3.1 · 32 reviews

13.99%12.00%
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 Bellingham 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 Bellingham credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Also Compare in Bellingham

Best Car Loan Rates →Best Personal Loan Rates →All of Washington →

Browse All Credit Unions in Bellingham

See member reviews, branch locations, and full rate details.

Credit Unions in Bellingham →All of Washington →