Credit Cards · Whitefish, Montana

Best Credit Union Credit Card Rates in Whitefish, Montana

2 credit unions in Whitefish report credit card APRs to the NCUA. Rates range from 10.98% to 13.75%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.98%

Lowest Card APR

12.37%

City Average APR

Credit Card APRs — Whitefish, Montana

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	WHITEFISH CREDIT UNION ASSOCIATION ★ 3.3 · 25 reviews	10.98%	11.27%
2	PARK SIDE FINANCIAL ★ 4.0 · 42 reviews	13.75%	12.09%

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

Also Compare in Whitefish

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

Browse All Credit Unions in Whitefish

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

Credit Unions in Whitefish →All of Montana →