Credit Cards · Washington
68 credit unions in Washington report credit card APRs to the NCUA. Rates range from 2.97% to 18.75%.
Updated Q1 2026 · NCUA Call Report data
68
CUs Reporting Rates
2.97%
Lowest Card APR
11.79%
State Average APR
43
Cities Covered
68 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | WATERFRONT Seattle | 2.97% | 9.74% |
| 2 | SPOKANE FIREFIGHTERS Spokane | 5.93% | 9.04% |
| 3 | CHENEY CHENEY | 7.25% | 11.50% |
| 4 | AMERICA'S CREDIT UNION, A DuPont | 8.79% | 17.00% |
| 5 | FIBRE LONGVIEW | 8.90% | 12.49% |
| 6 | COMMUNITY HEALTHCARE Everett | 8.99% | 9.99% |
| 7 | IBEW 76 TACOMA | 9.00% | 9.00% |
| 8 | SNOCOPE Everett | 9.00% | 13.00% |
| 9 | SPOKANE CITY Spokane | 9.20% | 11.13% |
| 10 | RESPONDERS EMERGENCY SERVICES SPOKANE | 9.30% | 10.13% |
| 11 | MILL TOWN EVERETT | 9.50% | 12.00% |
| 12 | WESTEDGE BELLINGHAM | 9.50% | 12.33% |
| 13 | SOLARITY Yakima | 9.80% | 11.80% |
| 14 | CANOPY SPOKANE | 9.90% | 11.49% |
| 15 | PUD LONGVIEW | 9.90% | 11.72% |
| 16 | GREAT NORTHWEST Aberdeen | 9.90% | 10.49% |
| 17 | SAFEWAY Spokane | 9.90% | 11.89% |
| 18 | LOWER COLUMBIA LONGSHOREMEN LONGVIEW | 9.90% | 12.00% |
| 19 | PRIMESOURCE Spokane | 9.90% | 11.75% |
| 20 | AMERICAN LAKE Lakewood | 9.99% | 9.49% |
| 21 | CONNECTION Silverdale | 10.17% | 12.91% |
| 22 | TRI-CITIES COMMUNITY Kennewick | 10.90% | 12.00% |
| 23 | PUGET SOUND COOPERATIVE Bellevue | 10.90% | 12.74% |
| 24 | LONGSHOREMEN'S LOCAL 4 Vancouver | 10.90% | 13.04% |
| 25 | WCLA Olympia | 10.92% | — |
| 26 | NORDSTROM Everett | 10.98% | 12.67% |
| 27 | KITSAP BREMERTON | 11.15% | 13.49% |
| 28 | BLUE MOUNTAIN COLLEGE PLACE | 11.34% | 12.78% |
| 29 | PENINSULA COMMUNITY SHELTON | 11.36% | 10.24% |
| 30 | CASCADE Kent | 11.40% | 6.35% |
| 31 | AVISTA CORP. Spokane | 11.49% | 10.99% |
| 32 | OUR COMMUNITY Shelton | 11.50% | 8.49% |
| 33 | PEOPLE'S COMMUNITY VANCOUVER | 11.74% | 11.00% |
| 34 | STRAIT VIEW PORT ANGELES | 11.75% | 7.93% |
| 35 | CALCOE YAKIMA | 11.78% | 10.04% |
| 36 | OLYMPIA Olympia | 11.99% | 14.75% |
| 37 | EVERGREENDIRECT Tumwater | 12.00% | 13.80% |
| 38 | HORIZON Spokane Valley | 12.40% | 11.90% |
| 39 | PROGRESSIONS Spokane | 12.49% | 13.50% |
| 40 | GESA RICHLAND | 12.49% | 10.50% |
| 41 | BOEING EMPLOYEES TUKWILA | 12.49% | 9.99% |
| 42 | PEAK OLYMPIA | 12.50% | 16.00% |
| 43 | SPOKANE TEACHERS LIBERTY LAKE | 12.62% | 14.30% |
| 44 | NUMERICA Spokane Valley | 12.70% | 5.32% |
| 45 | WHITE RIVER Enumclaw | 12.90% | 13.70% |
| 46 | WHATCOM EDUCATIONAL Bellingham | 12.90% | 12.00% |
| 47 | SNO FALLS North Bend | 12.90% | 11.50% |
| 48 | SPOKANE MEDIA Spokane | 12.90% | 10.45% |
| 49 | NEWRIZONS HOQUIAM | 13.00% | 18.00% |
| 50 | MT. RAINIER Puyallup | 13.24% | 8.49% |
| 51 | MINT VALLEY LONGVIEW | 13.31% | 12.89% |
| 52 | MOUNTAINCREST Arlington | 13.31% | 9.50% |
| 53 | O BEE Lacey | 13.50% | 28.00% |
| 54 | IQ Vancouver | 13.74% | 12.74% |
| 55 | SALAL Seattle | 13.75% | 8.52% |
| 56 | INDUSTRIAL CU OF WHATCOM COUNTY Bellingham | 13.90% | 10.00% |
| 57 | NORTH COAST Bellingham | 13.99% | 12.00% |
| 58 | HAPO COMMUNITY Richland | 14.01% | 10.97% |
| 59 | RED CANOE LONGVIEW | 14.13% | 9.07% |
| 60 | COLUMBIA COMMUNITY VANCOUVER | 14.25% | 10.25% |
| 61 | HARBORSTONE TACOMA | 14.40% | 10.24% |
| 62 | TAPCO Fircrest | 14.49% | 11.49% |
| 63 | QUALSTAR Bothell | 14.49% | 16.07% |
| 64 | SEATTLE METROPOLITAN Seattle | 14.55% | 17.06% |
| 65 | EXPRESS Seattle | 16.01% | 14.63% |
| 66 | SOUND Tacoma | 17.55% | 12.27% |
| 67 | VERITY Seattle | 17.99% | 15.74% |
| 68 | WASHINGTON STATE EMPLOYEES OLYMPIA | 18.75% | 10.24% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Washington accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Washington offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.