Credit Cards · Detroit, Michigan

Best Credit Union Credit Card Rates in Detroit, Michigan

4 credit unions in Detroit report credit card APRs to the NCUA. Rates range from 10.99% to 17.15%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.99%

Lowest Card APR

12.78%

City Average APR

Credit Card APRs — Detroit, Michigan

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	ELECTRICAL WORKERS LOCAL 58 ★ 4.7 · 106 reviews	10.99%	8.99%
2	INTERNATIONAL UAW ★ 4.2 · 6 reviews	11.25%	5.50%
3	DIVERSIFIED MEMBERS ★ 4.1 · 293 reviews	11.71%	14.44%
4	ONE DETROIT ★ 3.1 · 101 reviews	17.15%	13.57%

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

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