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Credit Cards · Spokane Valley, Washington

Best Credit Union Credit Card Rates in Spokane Valley, Washington

2 credit unions in Spokane Valley report credit card APRs to the NCUA. Rates range from 12.40% to 12.70%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

12.40%

Lowest Card APR

12.55%

City Average APR

Credit Card APRs — Spokane Valley, Washington

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1HORIZON

★ 4.1 · 53 reviews

12.40%11.90%
2NUMERICA12.70%5.32%
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 Spokane Valley 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 Spokane Valley credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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