Credit Cards · Battle Creek, Michigan
4 credit unions in Battle Creek report credit card APRs to the NCUA. Rates range from 10.74% to 13.90%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
10.74%
Lowest Card APR
12.22%
City Average APR
4 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | OMNI COMMUNITY ★ 4.5 · 276 reviews | 10.74% | 11.49% |
| 2 | KELLOGG COMMUNITY ★ 3.5 · 41 reviews | 11.25% | 13.10% |
| 3 | IGNITE ★ 3.4 · 168 reviews | 12.99% | 13.50% |
| 4 | GRAND TRUNK BATTLE CREEK EMP ★ 4.4 · 22 reviews | 13.90% | 13.35% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Battle Creek could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Battle Creek 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.