Credit Cards · Cedar Rapids, Iowa

Best Credit Union Credit Card Rates in Cedar Rapids, Iowa

3 credit unions in Cedar Rapids report credit card APRs to the NCUA. Rates range from 10.99% to 16.22%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.99%

Lowest Card APR

13.06%

City Average APR

Credit Card APRs — Cedar Rapids, Iowa

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	QUAKER OATS ★ 4.4 · 15 reviews	10.99%	11.75%
2	COLLINS COMMUNITY ★ 4.3 · 138 reviews	11.96%	9.40%
3	CORDA ★ 3.4 · 92 reviews	16.22%	13.42%

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

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