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Credit Cards · Oshkosh, Wisconsin

Best Credit Union Credit Card Rates in Oshkosh, Wisconsin

4 credit unions in Oshkosh report credit card APRs to the NCUA. Rates range from 10.44% to 17.24%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

10.44%

Lowest Card APR

13.81%

City Average APR

Credit Card APRs — Oshkosh, Wisconsin

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1WINNEBAGO COMMUNITY

★ 3.9 · 30 reviews

10.44%12.06%
2OSHKOSH COMMUNITY

★ 3.9 · 16 reviews

12.90%12.70%
3VERVE, A CREDIT UNION

★ 3.8 · 94 reviews

14.65%10.49%
4RIPPLE

★ 4.3 · 26 reviews

17.24%14.00%
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 Oshkosh 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 Oshkosh credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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