Credit Cards · Iowa
39 credit unions in Iowa report credit card APRs to the NCUA. Rates range from 8.30% to 18.65%.
Updated Q1 2026 · NCUA Call Report data
39
CUs Reporting Rates
8.30%
Lowest Card APR
11.46%
State Average APR
29
Cities Covered
39 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | AFFINITY Des Moines | 8.30% | 10.72% |
| 2 | ASCENTRA Bettendorf | 8.68% | 15.86% |
| 3 | MEMBERS1ST COMMUNITY Marshalltown | 8.84% | 13.48% |
| 4 | SERVE DES MOINES | 8.90% | 11.19% |
| 5 | TELCO TRIAD COMMUNITY Sioux City | 8.90% | 11.70% |
| 6 | CEDAR FALLS COMMUNITY Cedar Falls | 9.00% | 9.75% |
| 7 | AIM Dubuque | 9.90% | 11.35% |
| 8 | DES MOINES METRO Des Moines | 9.90% | 11.99% |
| 9 | LENNOX EMPLOYEES Marshalltown | 9.90% | 14.15% |
| 10 | THE FAMILY Davenport | 9.90% | 10.99% |
| 11 | MIDLAND URBANDALE | 9.90% | 11.39% |
| 12 | AEGIS Clinton | 9.99% | 9.90% |
| 13 | INDUSTRIAL EMPLOYEES Centerville | 10.00% | 14.00% |
| 14 | CENT Mason City | 10.00% | 13.50% |
| 15 | CITIZENS COMMUNITY Fort Dodge | 10.25% | 10.90% |
| 16 | RIVER VALLEY AMES | 10.50% | 11.29% |
| 17 | CAPITOL VIEW Des Moines | 10.50% | 9.99% |
| 18 | PREMIER Des Moines | 10.57% | 11.59% |
| 19 | GREATER IOWA Ames | 10.62% | 16.40% |
| 20 | JOURNEY Des Moines | 10.90% | 12.64% |
| 21 | MERIDIAN Ottumwa | 10.90% | 9.75% |
| 22 | NORTH IOWA COMMUNITY MASON CITY | 10.99% | 11.48% |
| 23 | QUAKER OATS CEDAR RAPIDS | 10.99% | 11.75% |
| 24 | DUTRAC COMMUNITY DUBUQUE | 11.49% | 12.79% |
| 25 | RIVER COMMUNITY Ottumwa | 11.90% | 12.25% |
| 26 | SIOUX VALLEY COMMUNITY SIOUX CITY | 11.90% | 6.91% |
| 27 | UNITE Cedar Falls | 11.90% | 11.62% |
| 28 | GREENSTATE North Liberty | 11.93% | 12.02% |
| 29 | COLLINS COMMUNITY Cedar Rapids | 11.96% | 9.40% |
| 30 | FIRST Hiawatha | 11.99% | 14.99% |
| 31 | COMMUNITY 1ST Ottumwa | 11.99% | 19.00% |
| 32 | DUPACO COMMUNITY Dubuque | 12.50% | 13.89% |
| 33 | FINANCIAL PLUS West Des Moines | 12.52% | 7.89% |
| 34 | PEOPLES Webster City | 13.24% | 11.99% |
| 35 | ADVANTAGE Newton | 16.00% | 10.90% |
| 36 | CORDA Cedar Rapids | 16.22% | 13.42% |
| 37 | CASEBINE COMMUNITY Burlington | 17.04% | 14.79% |
| 38 | COMMUNITY CHOICE JOHNSTON | 17.49% | 13.14% |
| 39 | VERIDIAN Waterloo | 18.65% | 19.00% |
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 Iowa 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 Iowa 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.