Credit Cards · Idaho
20 credit unions in Idaho report credit card APRs to the NCUA. Rates range from 8.44% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
20
CUs Reporting Rates
8.44%
Lowest Card APR
12.31%
State Average APR
16
Cities Covered
20 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | LATAH MOSCOW | 8.44% | 15.98% |
| 2 | BEEHIVE Rexburg | 8.90% | 12.00% |
| 3 | RAILS WEST Pocatello | 9.88% | 13.09% |
| 4 | SIMPLOT POCATELLO | 9.99% | 9.99% |
| 5 | MEMBERS PREFERRED IDAHO FALLS | 10.39% | 11.18% |
| 6 | IDAHO UNITED Boise | 10.95% | 10.90% |
| 7 | SNAKE RIVER Twin Falls | 11.00% | 11.50% |
| 8 | LEWIS CLARK Lewiston | 11.04% | 12.37% |
| 9 | POTLATCH NO. 1 FINANCIAL LEWISTON | 11.46% | 11.73% |
| 10 | ADVANTAGE PLUS Pocatello | 11.99% | 18.00% |
| 11 | PIONEER MOUNTAIN HOME | 11.99% | 12.19% |
| 12 | FRONTIER Idaho Falls | 12.30% | 13.82% |
| 13 | FREEDOM NORTHWEST KAMIAH | 12.67% | 9.43% |
| 14 | WESTMARK Idaho Falls | 12.67% | 14.05% |
| 15 | CONNECTIONS pocatello | 12.75% | 14.50% |
| 16 | CLARITY Nampa | 13.50% | 10.00% |
| 17 | IDAHO CENTRAL Chubbuck | 14.06% | 9.29% |
| 18 | TRUGROCER Boise | 16.99% | 11.35% |
| 19 | LOOKOUT Pocatello | 17.27% | 15.02% |
| 20 | CAPITAL EDUCATORS MERIDIAN | 18.00% | 12.00% |
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 Idaho 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 Idaho 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.