Credit Cards · Rapid City, South Dakota
6 credit unions in Rapid City report credit card APRs to the NCUA. Rates range from 7.00% to 10.50%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
7.00%
Lowest Card APR
8.97%
City Average APR
6 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | ASPEN ★ 4.1 · 42 reviews | 7.00% | 10.75% |
| 2 | DAKOTA STAR ★ 4.3 · 7 reviews | 8.50% | 9.90% |
| 3 | DACOTAH ★ 4.4 · 14 reviews | 8.90% | 12.30% |
| 4 | BLACK HILLS ★ 2.5 · 64 reviews | 8.90% | 11.00% |
| 5 | HIGHMARK ★ 3.7 · 101 reviews | 10.00% | 15.00% |
| 6 | RUSHMORE ELECTRIC | 10.50% | 13.20% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Rapid City could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Rapid City credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.