Credit Cards · Salem, Oregon

Best Credit Union Credit Card Rates in Salem, Oregon

4 credit unions in Salem report credit card APRs to the NCUA. Rates range from 9.99% to 14.69%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.99%

Lowest Card APR

12.67%

City Average APR

Credit Card APRs — Salem, Oregon

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	IBEW/SJ CASCADE ★ 4.8 · 10 reviews	9.99%	9.90%
2	MARION AND POLK SCHOOLS ★ 3.8 · 76 reviews	12.50%	13.90%
3	VALLEY ★ 4.6 · 148 reviews	13.50%	13.89%
4	HERITAGE GROVE ★ 3.8 · 57 reviews	14.69%	13.31%

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

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Browse All Credit Unions in Salem

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