Credit Cards · Wisconsin
69 credit unions in Wisconsin report credit card APRs to the NCUA. Rates range from 8.90% to 19.75%.
Updated Q1 2026 · NCUA Call Report data
69
CUs Reporting Rates
8.90%
Lowest Card APR
12.47%
State Average APR
53
Cities Covered
69 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | SENTRY Stevens Point | 8.90% | 9.90% |
| 2 | M.E. EMPLOYEES WAUSAU | 8.90% | 9.62% |
| 3 | GUNDERSEN LA CROSSE | 8.90% | 10.50% |
| 4 | BAY SHORE Marinette | 8.90% | 14.00% |
| 5 | GOVERNMENTAL EMPLOYEES La Crosse | 8.99% | 10.99% |
| 6 | TOMAH AREA Tomah | 9.00% | 9.38% |
| 7 | OAKDALE Oakdale | 9.25% | 9.50% |
| 8 | 1ST COMMUNITY Sparta | 9.40% | 10.40% |
| 9 | WESTCONSIN Menomonie | 9.50% | 15.50% |
| 10 | EVERGREEN NEENAH | 9.90% | 12.90% |
| 11 | BADGER-GLOBE NEENAH | 9.90% | 12.65% |
| 12 | FIREFIGHTERS ONALASKA | 9.90% | 10.10% |
| 13 | TRI-COUNTY Marinette | 9.90% | 9.90% |
| 14 | SUMMIT Madison | 9.90% | 18.00% |
| 15 | MCU FINANCIAL CENTER Racine | 9.99% | 12.90% |
| 16 | GLACIER HILLS WEST BEND | 9.99% | 15.64% |
| 17 | UNISON Kaukauna | 9.99% | 9.99% |
| 18 | CENTRAL WISCONSIN Plover | 9.99% | 9.75% |
| 19 | FOX COMMUNITIES Appleton | 10.24% | 10.99% |
| 20 | TEACHERS Beloit | 10.25% | 8.99% |
| 21 | WINNEBAGO COMMUNITY Oshkosh | 10.44% | 12.06% |
| 22 | MARINE La Crosse | 10.90% | 21.00% |
| 23 | RACINE MUNICIPAL EMPLOYEES Racine | 10.90% | 9.40% |
| 24 | GOLDEN RULE COMMUNITY RIPON | 10.99% | 11.20% |
| 25 | FIRST COMMUNITY CU OF BELOIT Beloit | 11.06% | 13.13% |
| 26 | PARK CITY Merrill | 11.24% | 11.35% |
| 27 | ROYAL EAU CLAIRE | 11.25% | 18.00% |
| 28 | WESTBY CO-OP WESTBY | 11.25% | 11.41% |
| 29 | COMMUNITY FIRST Appleton | 11.61% | 10.57% |
| 30 | BLACKHAWK COMMUNITY Janesville | 11.75% | 10.91% |
| 31 | CO-OP Black River Fal | 11.88% | 14.88% |
| 32 | MARATHON COUNTY EMPLOYEES WAUSAU | 11.90% | 11.67% |
| 33 | VALLEY COMMUNITIES Mosinee | 11.90% | 9.74% |
| 34 | FORWARD FINANCIAL NIAGARA | 11.99% | 10.95% |
| 35 | MEMBERS' ADVANTAGE Wisconsin Rapid | 11.99% | 12.79% |
| 36 | COUNTY - CITY JEFFERSON | 12.20% | 13.75% |
| 37 | FOCUS Menomonee Falls | 12.25% | 13.75% |
| 38 | FOND DU LAC Fond du Lac | 12.34% | 14.99% |
| 39 | ALTRA ONALASKA | 12.40% | 10.75% |
| 40 | N.E.W. Oconto Falls | 12.65% | 9.50% |
| 41 | HEARTLAND Madison | 12.75% | 12.49% |
| 42 | COVANTAGE Antigo | 12.80% | 11.95% |
| 43 | SIMPLICITY Marshfield | 12.90% | 10.49% |
| 44 | FIRST CHOICE MARSHFIELD | 12.90% | 14.00% |
| 45 | OSHKOSH COMMUNITY Oshkosh | 12.90% | 12.70% |
| 46 | AVESTAR Waterloo | 12.90% | 15.90% |
| 47 | BREWERY MILWAUKEE | 13.89% | 9.90% |
| 48 | ATHENS AREA ATHENS | 13.90% | 11.52% |
| 49 | DAIRYLAND POWER La Crosse | 13.90% | 11.50% |
| 50 | FORT COMMUNITY FORT ATKINSON | 13.90% | 15.13% |
| 51 | PROSPERA APPLETON | 13.97% | 12.86% |
| 52 | MEADOWLAND SHEBOYGAN FALLS | 13.99% | 10.25% |
| 53 | PCM Green Bay | 13.99% | 12.01% |
| 54 | PRIME FINANCIAL Cudahy | 14.24% | 11.84% |
| 55 | VERVE, A CREDIT UNION Oshkosh | 14.65% | 10.49% |
| 56 | EDUCATORS Racine | 14.90% | 15.00% |
| 57 | ARCADIA Arcadia | 14.90% | 15.99% |
| 58 | GUARDIAN Oak Creek | 14.99% | 11.69% |
| 59 | NORTHWOODS COMMUNITY Park Falls | 14.99% | 11.90% |
| 60 | RIPCO Rhinelander | 15.49% | 12.74% |
| 61 | LANDMARK Brookfield | 15.74% | 11.95% |
| 62 | PREMIER FINANCIAL New Holstein | 16.57% | 9.50% |
| 63 | UNIVERSITY OF WISCONSIN Madison | 16.70% | 12.74% |
| 64 | MADISON MADISON | 16.95% | 13.90% |
| 65 | RIPPLE Oshkosh | 17.24% | 14.00% |
| 66 | SHORELINE Two Rivers | 17.74% | 10.49% |
| 67 | SUPERIOR CHOICE Superior | 17.99% | 13.66% |
| 68 | IRON COUNTY COMMUNITY Hurley | 18.36% | 13.50% |
| 69 | WEA Madison | 19.75% | 15.00% |
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 Wisconsin 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 Wisconsin 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.