Credit Cards · Cheney, Washington

Best Credit Union Credit Card Rates in Cheney, Washington

1 credit union in Cheney report credit card APRs to the NCUA. Lowest rate: 7.25%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

7.25%

Lowest Card APR

7.25%

City Average APR

Credit Card APRs — Cheney, Washington

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CHENEY ★ 4.6 · 80 reviews	7.25%	11.50%

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

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