Credit Cards · Arizona
25 credit unions in Arizona report credit card APRs to the NCUA. Rates range from 2.99% to 17.24%.
Updated Q1 2026 · NCUA Call Report data
25
CUs Reporting Rates
2.99%
Lowest Card APR
11.60%
State Average APR
15
Cities Covered
25 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | PIMA Tucson | 2.99% | 13.99% |
| 2 | FIRST Chandler | 4.90% | 18.00% |
| 3 | PINAL COUNTY Casa Grande | 7.90% | 18.00% |
| 4 | RIM COUNTRY Snowflake | 7.90% | 12.48% |
| 5 | AERO Glendale | 7.92% | 11.00% |
| 6 | FIRST AMERICAN Casa Grande | 7.99% | 23.00% |
| 7 | LANDINGS TEMPE | 9.25% | 13.50% |
| 8 | COCHISE Willcox | 9.90% | 9.75% |
| 9 | MOHAVE COMMUNITY KINGMAN | 10.90% | 10.33% |
| 10 | TRUWEST Scottsdale | 11.40% | 14.25% |
| 11 | ALHAMBRA Phoenix | 11.99% | 12.00% |
| 12 | HUGHES Tucson | 12.50% | 17.25% |
| 13 | COCONINO Flagstaff | 12.65% | 12.00% |
| 14 | ARIZONA FINANCIAL Phoenix | 12.91% | 15.02% |
| 15 | MARISOL Phoenix | 13.05% | 9.23% |
| 16 | AMERICAN SOUTHWEST Sierra Vista | 13.75% | 14.00% |
| 17 | ARIZONA CENTRAL Phoenix | 13.90% | 14.65% |
| 18 | PYRAMID Tucson | 13.99% | 17.50% |
| 19 | TUCSON TUCSON | 14.00% | 12.00% |
| 20 | PRESCOTT Prescott | 14.00% | 14.00% |
| 21 | CREDIT UNION WEST Glendale | 14.44% | 12.37% |
| 22 | ONEAZ Phoenix | 14.49% | 12.75% |
| 23 | SOUTHEASTERN ARIZONA Douglas | 14.90% | 9.45% |
| 24 | SUNWEST Glendale | 15.07% | 11.17% |
| 25 | VANTAGE WEST TUCSON | 17.24% | 13.75% |
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 Arizona 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 Arizona 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.