Credit Cards · Olympia, Washington

Best Credit Union Credit Card Rates in Olympia, Washington

4 credit unions in Olympia report credit card APRs to the NCUA. Rates range from 10.92% to 18.75%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.92%

Lowest Card APR

13.54%

City Average APR

Credit Card APRs — Olympia, Washington

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	WCLA ★ 5.0 · 4 reviews	10.92%	—
2	OLYMPIA ★ 4.4 · 25 reviews	11.99%	14.75%
3	PEAK ★ 3.1 · 52 reviews	12.50%	16.00%
4	WASHINGTON STATE EMPLOYEES ★ 3.9 · 55 reviews	18.75%	10.24%

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

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