Credit Cards · Dubuque, Iowa

Best Credit Union Credit Card Rates in Dubuque, Iowa

3 credit unions in Dubuque report credit card APRs to the NCUA. Rates range from 9.90% to 12.50%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

11.30%

City Average APR

Credit Card APRs — Dubuque, Iowa

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	AIM ★ 3.8 · 21 reviews	9.90%	11.35%
2	DUTRAC COMMUNITY ★ 2.9 · 38 reviews	11.49%	12.79%
3	DUPACO COMMUNITY ★ 3.3 · 35 reviews	12.50%	13.89%

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

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