Credit Cards · Kalamazoo, Michigan

Best Credit Union Credit Card Rates in Kalamazoo, Michigan

3 credit unions in Kalamazoo report credit card APRs to the NCUA. Rates range from 10.88% to 14.24%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.88%

Lowest Card APR

12.62%

City Average APR

Credit Card APRs — Kalamazoo, Michigan

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	KALSEE ★ 4.2 · 61 reviews	10.88%	9.84%
2	ARBOR FINANCIAL ★ 3.9 · 143 reviews	12.75%	9.50%
3	ADVIA ★ 2.8 · 42 reviews	14.24%	15.25%

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

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