Credit Cards · Montana
26 credit unions in Montana report credit card APRs to the NCUA. Rates range from 1.00% to 16.99%.
Updated Q1 2026 · NCUA Call Report data
26
CUs Reporting Rates
1.00%
Lowest Card APR
11.18%
State Average APR
17
Cities Covered
26 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MOUNTAIN WEST Butte | 1.00% | 12.00% |
| 2 | FERGUS Lewistown | 8.80% | 12.60% |
| 3 | BUTTE COMMUNITY Butte | 8.90% | 9.44% |
| 4 | RIMROCK BILLINGS | 8.99% | 12.88% |
| 5 | RAVALLI COUNTY Hamilton | 9.90% | 10.76% |
| 6 | MONTANA EDUCATORS' Missoula | 9.90% | 10.00% |
| 7 | NORTHWESTERN ENERGY EMPLOYEES BUTTE | 9.90% | 11.20% |
| 8 | MILE HIGH BUTTE | 9.90% | 10.93% |
| 9 | ALTANA Billings | 9.95% | 9.49% |
| 10 | DANIELS-SHERIDAN SCOBEY | 9.99% | 11.00% |
| 11 | VOCAL HELENA | 10.80% | 12.94% |
| 12 | LINCOLN COUNTY Libby | 10.90% | 10.25% |
| 13 | WHITEFISH CREDIT UNION ASSOCIATION Whitefish | 10.98% | 11.27% |
| 14 | SKY Livingston | 11.41% | 13.33% |
| 15 | CLEARWATER Missoula | 11.58% | 10.88% |
| 16 | MONTANA Great Falls | 11.90% | 13.29% |
| 17 | SOUTHWEST MONTANA COMMUNITY Anaconda | 11.95% | 9.43% |
| 18 | THE FAMILY FIRST Great Falls | 12.90% | 11.84% |
| 19 | INTREPID Helena | 12.92% | 7.13% |
| 20 | 1ST LIBERTY Great Falls | 13.00% | 13.00% |
| 21 | BILLINGS Billings | 13.00% | 9.24% |
| 22 | VALLEY FINANCIAL Billings | 13.49% | 12.49% |
| 23 | PARK SIDE FINANCIAL Whitefish | 13.75% | 12.09% |
| 24 | GRASSLANDS CIRCLE | 13.90% | 12.63% |
| 25 | COMMUNITY 1ST Miles City | 13.92% | 9.02% |
| 26 | ROCKY MOUNTAIN Helena | 16.99% | 11.99% |
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 Montana 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 Montana 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.