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Credit Cards · Sterling Height, Michigan

Best Credit Union Credit Card Rates in Sterling Height, Michigan

2 credit unions in Sterling Height report credit card APRs to the NCUA. Rates range from 9.75% to 12.43%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.75%

Lowest Card APR

11.09%

City Average APR

Credit Card APRs — Sterling Height, Michigan

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1CHRISTIAN FINANCIAL

★ 4.2 · 186 reviews

9.75%10.49%
2THE LOCAL

★ 4.2 · 76 reviews

12.43%13.80%
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 Sterling Height 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 Sterling Height credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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