Credit Cards · Saint Paul, Minnesota

Best Credit Union Credit Card Rates in Saint Paul, Minnesota

4 credit unions in Saint Paul report credit card APRs to the NCUA. Rates range from 9.90% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

13.33%

City Average APR

Credit Card APRs — Saint Paul, Minnesota

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CARPENTERS ★ 3.5 · 136 reviews	9.90%	10.53%
2	ST. PAUL ★ 4.6 · 535 reviews	10.90%	12.50%
3	CITY & COUNTY ★ 3.7 · 136 reviews	14.50%	10.49%
4	AFFINITY PLUS ★ 3.4 · 134 reviews	18.00%	7.49%

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

Also Compare in Saint Paul

Best Car Loan Rates →Best Personal Loan Rates →All of Minnesota →

Browse All Credit Unions in Saint Paul

See member reviews, branch locations, and full rate details.

Credit Unions in Saint Paul →All of Minnesota →