Credit Cards · Helena, Montana

Best Credit Union Credit Card Rates in Helena, Montana

3 credit unions in Helena report credit card APRs to the NCUA. Rates range from 10.80% to 16.99%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.80%

Lowest Card APR

13.57%

City Average APR

Credit Card APRs — Helena, Montana

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	VOCAL ★ 3.3 · 37 reviews	10.80%	12.94%
2	INTREPID ★ 2.8 · 69 reviews	12.92%	7.13%
3	ROCKY MOUNTAIN ★ 3.7 · 49 reviews	16.99%	11.99%

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

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