Credit Cards · Escanaba, Michigan

Best Credit Union Credit Card Rates in Escanaba, Michigan

3 credit unions in Escanaba report credit card APRs to the NCUA. Rates range from 9.50% to 13.62%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.50%

Lowest Card APR

12.01%

City Average APR

Credit Card APRs — Escanaba, Michigan

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	U.P. STATE ★ 4.3 · 36 reviews	9.50%	10.00%
2	GREAT LAKES FIRST ★ 4.2 · 49 reviews	12.90%	10.99%
3	PENINSULA ★ 3.9 · 26 reviews	13.62%	13.22%

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

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