Credit Cards · Albuquerque, New Mexico

Best Credit Union Credit Card Rates in Albuquerque, New Mexico

7 credit unions in Albuquerque report credit card APRs to the NCUA. Rates range from 10.78% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.78%

Lowest Card APR

13.87%

City Average APR

Credit Card APRs — Albuquerque, New Mexico

7 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	KIRTLAND ★ 3.3 · 88 reviews	10.78%	12.43%
2	NUSENDA ★ 2.0 · 6 reviews	12.50%	13.21%
3	SANDIA AREA ★ 4.0 · 222 reviews	12.52%	11.97%
4	FIRST FINANCIAL ★ 3.9 · 136 reviews	12.90%	19.99%
5	RIO GRANDE ★ 4.1 · 144 reviews	15.16%	11.72%
6	SUNWARD ★ 5.0 · 11 reviews	15.25%	10.50%
7	U.S. EAGLE ★ 4.3 · 246 reviews	18.00%	10.90%

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

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