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Credit Cards · Bismarck, North Dakota

Best Credit Union Credit Card Rates in Bismarck, North Dakota

2 credit unions in Bismarck report credit card APRs to the NCUA. Rates range from 11.90% to 15.49%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

11.90%

Lowest Card APR

13.70%

City Average APR

Credit Card APRs — Bismarck, North Dakota

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1VUE COMMUNITY

★ 3.9 · 14 reviews

11.90%13.25%
2CAPITAL

★ 4.0 · 34 reviews

15.49%12.00%
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 Bismarck 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 Bismarck credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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