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Credit Cards · Fargo, North Dakota

Best Credit Union Credit Card Rates in Fargo, North Dakota

5 credit unions in Fargo report credit card APRs to the NCUA. Rates range from 10.80% to 15.75%.

Updated Q1 2026 · NCUA Call Report data

5

CUs Reporting Rates

10.80%

Lowest Card APR

12.82%

City Average APR

Credit Card APRs — Fargo, North Dakota

5 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1CCE

★ 5.0 · 2 reviews

10.80%15.00%
2FARGO VA

★ 5.0 · 4 reviews

11.50%10.20%
3POSTAL FAMILY

★ 4.0 · 12 reviews

11.62%12.26%
4UNITED SAVINGS

★ 4.3 · 21 reviews

14.41%14.65%
5FARGO PUBLIC SCHOOLS

★ 5.0 · 4 reviews

15.75%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 Fargo 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 Fargo credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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