Credit Cards · Minnesota
57 credit unions in Minnesota report credit card APRs to the NCUA. Rates range from 6.90% to 19.29%.
Updated Q1 2026 · NCUA Call Report data
57
CUs Reporting Rates
6.90%
Lowest Card APR
12.42%
State Average APR
49
Cities Covered
57 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | GREATER COMMUNITY Dawson | 6.90% | 10.00% |
| 2 | NSP Maplewood | 7.90% | 11.50% |
| 3 | MINNESOTA POWER EMPLOYEES DULUTH | 8.55% | 9.64% |
| 4 | TRADES & LABOR ALBERT LEA | 8.96% | 11.50% |
| 5 | MY BLOOMINGTON | 9.90% | 15.00% |
| 6 | NORTH MEMORIAL ROBBINSDALE | 9.90% | 12.99% |
| 7 | DEER RIVER COOPERATIVE DEER RIVER | 9.90% | 14.00% |
| 8 | MINNCO Cambridge | 9.90% | 10.49% |
| 9 | EMBARRASS VERMILLION Aurora | 9.90% | 9.31% |
| 10 | TWO HARBORS TWO HARBORS | 9.90% | 9.73% |
| 11 | CARPENTERS Saint Paul | 9.90% | 10.53% |
| 12 | VIRGINIA COOP Virginia | 9.99% | 10.49% |
| 13 | ST. CLOUD FINANCIAL Sartell | 9.99% | 10.24% |
| 14 | AUSTIN CITY EMPLOYEES Austin | 9.99% | 10.00% |
| 15 | NORTH SHORE Silver Bay | 9.99% | 9.99% |
| 16 | NORTHWOODS Cloquet | 10.51% | 12.91% |
| 17 | MINNESOTA CATHOLIC Little Canada | 10.68% | 12.83% |
| 18 | MAYO EMPLOYEES ROCHESTER | 10.75% | 11.90% |
| 19 | ST. PAUL Saint Paul | 10.90% | 12.50% |
| 20 | ELY AREA ELY | 10.90% | 10.00% |
| 21 | HOME TOWN Owatonna | 10.90% | 12.22% |
| 22 | RED WING Red Wing | 10.93% | 13.51% |
| 23 | MID MINNESOTA Baxter | 10.99% | 12.84% |
| 24 | WEST METRO SCHOOLS Hopkins | 11.00% | 12.17% |
| 25 | NORTHERN COMMUNITIES DULUTH | 11.13% | 13.13% |
| 26 | MINNESOTA VALLEY Mankato | 11.24% | 12.90% |
| 27 | NOVATION OAKDALE | 11.24% | 12.50% |
| 28 | SHAREPOINT Bloomington | 11.65% | 11.49% |
| 29 | HEARTLAND Inver Grove Hei | 11.90% | 11.99% |
| 30 | ASSOCIATED HEALTHCARE Woodbury | 12.49% | 11.27% |
| 31 | IDEAL WOODBURY | 12.50% | — |
| 32 | EXPEDITION Mendota Heights | 12.65% | 12.99% |
| 33 | ELECTRIC MACHINERY EMPLOYEES MINNEAPOLIS | 12.75% | 10.49% |
| 34 | HIBBING COOPERATIVE Hibbing | 12.90% | 12.00% |
| 35 | SMW FINANCIAL LINO LAKES | 12.99% | 12.99% |
| 36 | TOPLINE FINANCIAL Maple Grove | 13.24% | 12.08% |
| 37 | FIRST ALLIANCE Rochester | 13.30% | 10.65% |
| 38 | TRUSTONE FINANCIAL Plymouth | 13.40% | 12.87% |
| 39 | MEMBERS COOPERATIVE DULUTH | 13.75% | 11.04% |
| 40 | UNITED EMPLOYEES ALBERT LEA | 13.90% | 13.90% |
| 41 | SOUTH METRO PRIOR LAKE | 13.95% | 10.23% |
| 42 | NORTH STAR COOK | 14.00% | 12.00% |
| 43 | TRIBE Eagan | 14.01% | — |
| 44 | PIPEFITTERS-STEAMFITTERS Woodbury | 14.25% | 7.75% |
| 45 | HARBOR POINTE DULUTH | 14.25% | 11.23% |
| 46 | TRUSTAR INTERNATIONAL F | 14.25% | 18.00% |
| 47 | BUILDING TRADES MAPLE GROVE | 14.50% | 11.68% |
| 48 | CITY & COUNTY SAINT PAUL | 14.50% | 10.49% |
| 49 | LEADING EDGE Worthington | 15.00% | 11.48% |
| 50 | ACCENTRA AUSTIN | 15.90% | 11.40% |
| 51 | SOUTHPOINT FINANCIAL SLEEPY EYE | 16.50% | 9.99% |
| 52 | MAGNIFI FINANCIAL MELROSE | 16.50% | 13.00% |
| 53 | BLAZE Falcon Heights | 17.15% | 9.99% |
| 54 | NORTHRIDGE COMMUNITY Virginia | 17.50% | 16.00% |
| 55 | CO-OP CREDIT UNION OF MONTEVIDEO Montevideo | 18.00% | 12.25% |
| 56 | AFFINITY PLUS Saint Paul | 18.00% | 7.49% |
| 57 | SHARE ADVANTAGE Duluth | 19.29% | 12.59% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Minnesota accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Minnesota offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.