Credit Cards · Smithfield, Rhode Island

Best Credit Union Credit Card Rates in Smithfield, Rhode Island

1 credit union in Smithfield report credit card APRs to the NCUA. Lowest rate: 18.24%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

18.24%

Lowest Card APR

18.24%

City Average APR

Credit Card APRs — Smithfield, Rhode Island

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	NAVIGANT ★ 4.4 · 226 reviews	18.24%	18.00%

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

Also Compare in Smithfield

Best Car Loan Rates →Best Personal Loan Rates →All of Rhode Island →

Browse All Credit Unions in Smithfield

See member reviews, branch locations, and full rate details.

Credit Unions in Smithfield →All of Rhode Island →