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Credit Cards · Richland, Washington

Best Credit Union Credit Card Rates in Richland, Washington

2 credit unions in Richland report credit card APRs to the NCUA. Rates range from 12.49% to 14.01%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

12.49%

Lowest Card APR

13.25%

City Average APR

Credit Card APRs — Richland, Washington

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1GESA

★ 3.5 · 90 reviews

12.49%10.50%
2HAPO COMMUNITY

★ 4.0 · 272 reviews

14.01%10.97%
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 Richland 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 Richland credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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