Credit Cards · Provo, Utah

Best Credit Union Credit Card Rates in Provo, Utah

2 credit unions in Provo report credit card APRs to the NCUA. Rates range from 13.56% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

13.56%

Lowest Card APR

15.78%

City Average APR

Credit Card APRs — Provo, Utah

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	FREEDOM ★ 4.9 · 167 reviews	13.56%	14.33%
2	UTAH COMMUNITY ★ 4.4 · 286 reviews	18.00%	13.37%

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

Also Compare in Provo

Best Car Loan Rates →Best Personal Loan Rates →All of Utah →

Browse All Credit Unions in Provo

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

Credit Unions in Provo →All of Utah →