Credit Cards · Golden, Colorado

Best Credit Union Credit Card Rates in Golden, Colorado

2 credit unions in Golden report credit card APRs to the NCUA. Rates range from 11.45% to 11.70%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.45%

Lowest Card APR

11.58%

City Average APR

Credit Card APRs — Golden, Colorado

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CREDIT UNION OF THE ROCKIES ★ 4.0 · 167 reviews	11.45%	14.88%
2	ON TAP ★ 3.7 · 168 reviews	11.70%	10.07%

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

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Browse All Credit Unions in Golden

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