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Credit Cards · Springfield, Oregon

Best Credit Union Credit Card Rates in Springfield, Oregon

2 credit unions in Springfield report credit card APRs to the NCUA. Rates range from 9.90% to 14.82%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.90%

Lowest Card APR

12.36%

City Average APR

Credit Card APRs — Springfield, Oregon

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1GATEWAY

★ 4.0 · 4 reviews

9.90%11.31%
2SELCO COMMUNITY

★ 3.5 · 98 reviews

14.82%14.96%
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 Springfield 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 Springfield 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 Springfield

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