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Credit Cards · Boise, Idaho

Best Credit Union Credit Card Rates in Boise, Idaho

2 credit unions in Boise report credit card APRs to the NCUA. Rates range from 10.95% to 16.99%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

10.95%

Lowest Card APR

13.97%

City Average APR

Credit Card APRs — Boise, Idaho

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1IDAHO UNITED

★ 4.0 · 3 reviews

10.95%10.90%
2TRUGROCER

★ 4.4 · 49 reviews

16.99%11.35%
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 Boise 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 Boise credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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