Credit Cards · Wyoming
14 credit unions in Wyoming report credit card APRs to the NCUA. Rates range from 7.50% to 15.49%.
Updated Q1 2026 · NCUA Call Report data
14
CUs Reporting Rates
7.50%
Lowest Card APR
11.83%
State Average APR
8
Cities Covered
14 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | A.C.P.E. Laramie | 7.50% | 10.40% |
| 2 | FIRST EDUCATION Cheyenne | 8.99% | 11.49% |
| 3 | CHEYENNE-LARAMIE COUNTY EMPLOYEES Cheyenne | 9.00% | 11.39% |
| 4 | GRAND ALTITUDE Lander | 9.90% | 9.50% |
| 5 | PATHFINDER Casper | 11.43% | 12.88% |
| 6 | MERIDIAN TRUST Cheyenne | 11.75% | 13.47% |
| 7 | SHERIDAN COMMUNITY Sheridan | 11.90% | 10.90% |
| 8 | UNIWYO Laramie | 12.52% | 11.93% |
| 9 | WESTERN VISTA Cheyenne | 12.75% | 17.00% |
| 10 | WYHY CHEYENNE | 12.90% | 12.45% |
| 11 | STAGEPOINT Laramie | 13.49% | 17.00% |
| 12 | BLUE Cheyenne | 13.75% | 17.99% |
| 13 | CAMPCO GILLETTE | 14.20% | 12.79% |
| 14 | SUNLIGHT CODY | 15.49% | 11.99% |
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 Wyoming 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 Wyoming 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.