Credit Cards · Santa Fe, New Mexico

Best Credit Union Credit Card Rates in Santa Fe, New Mexico

2 credit unions in Santa Fe report credit card APRs to the NCUA. Rates range from 12.50% to 13.92%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.50%

Lowest Card APR

13.21%

City Average APR

Credit Card APRs — Santa Fe, New Mexico

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	STATE EMPLOYEES ★ 2.8 · 103 reviews	12.50%	13.50%
2	GUADALUPE ★ 4.4 · 271 reviews	13.92%	12.49%

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

Also Compare in Santa Fe

Best Car Loan Rates →Best Personal Loan Rates →All of New Mexico →

Browse All Credit Unions in Santa Fe

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

Credit Unions in Santa Fe →All of New Mexico →