Credit Cards · Alpena, Michigan
4 credit unions in Alpena report credit card APRs to the NCUA. Rates range from 10.00% to 12.96%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
10.00%
Lowest Card APR
11.73%
City Average APR
4 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | ALPENA COMMUNITY ★ 4.4 · 18 reviews | 10.00% | 8.49% |
| 2 | H.P.C. ★ 4.8 · 245 reviews | 11.00% | 10.50% |
| 3 | WOLVERINE STATE ★ 4.3 · 52 reviews | 12.96% | 10.00% |
| 4 | ALPENA-ALCONA AREA ★ 4.8 · 374 reviews | 12.96% | 8.95% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Alpena could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Alpena credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.