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Credit Cards · Spokane, Washington

Best Credit Union Credit Card Rates in Spokane, Washington

9 credit unions in Spokane report credit card APRs to the NCUA. Rates range from 5.93% to 12.90%.

Updated Q1 2026 · NCUA Call Report data

9

CUs Reporting Rates

5.93%

Lowest Card APR

10.11%

City Average APR

Credit Card APRs — Spokane, Washington

9 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SPOKANE FIREFIGHTERS

★ 5.0 · 5 reviews

5.93%9.04%
2SPOKANE CITY

★ 4.0 · 32 reviews

9.20%11.13%
3RESPONDERS EMERGENCY SERVICES

★ 4.4 · 22 reviews

9.30%10.13%
4PRIMESOURCE

★ 3.7 · 21 reviews

9.90%11.75%
5SAFEWAY

★ 4.3 · 30 reviews

9.90%11.89%
6CANOPY

★ 4.0 · 166 reviews

9.90%11.49%
7AVISTA CORP.

★ 2.4 · 311 reviews

11.49%10.99%
8PROGRESSIONS

★ 3.5 · 37 reviews

12.49%13.50%
9SPOKANE MEDIA

★ 3.9 · 14 reviews

12.90%10.45%
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 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 credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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