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Credit Cards · Bay City, Michigan

Best Credit Union Credit Card Rates in Bay City, Michigan

4 credit unions in Bay City report credit card APRs to the NCUA. Rates range from 8.96% to 12.60%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

8.96%

Lowest Card APR

10.17%

City Average APR

Credit Card APRs — Bay City, Michigan

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1UNITED BAY COMMUNITY

★ 3.7 · 47 reviews

8.96%9.75%
2SUNRISE FAMILY

★ 4.0 · 146 reviews

8.99%9.99%
3FINANCIALEDGE

★ 4.6 · 170 reviews

10.12%13.97%
4GREAT LAKES

★ 3.4 · 36 reviews

12.60%15.36%
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 Bay City 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 Bay City credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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