Credit Cards · Minot, North Dakota

Best Credit Union Credit Card Rates in Minot, North Dakota

3 credit unions in Minot report credit card APRs to the NCUA. Rates range from 6.98% to 9.15%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

6.98%

Lowest Card APR

8.34%

City Average APR

Credit Card APRs — Minot, North Dakota

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	ASPIRE COMMUNITY ★ 4.6 · 95 reviews	6.98%	12.50%
2	AFFINITY FIRST ★ 4.2 · 40 reviews	8.90%	17.50%
3	TOWN AND COUNTRY ★ 4.7 · 102 reviews	9.15%	9.48%

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

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