Credit Cards · Great Falls, Montana

Best Credit Union Credit Card Rates in Great Falls, Montana

3 credit unions in Great Falls report credit card APRs to the NCUA. Rates range from 11.90% to 13.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.90%

Lowest Card APR

12.60%

City Average APR

Credit Card APRs — Great Falls, Montana

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MONTANA ★ 4.4 · 246 reviews	11.90%	13.29%
2	THE FAMILY FIRST ★ 4.5 · 12 reviews	12.90%	11.84%
3	1ST LIBERTY ★ 3.4 · 16 reviews	13.00%	13.00%

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

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