Credit Cards · Beloit, Wisconsin

Best Credit Union Credit Card Rates in Beloit, Wisconsin

2 credit unions in Beloit report credit card APRs to the NCUA. Rates range from 10.25% to 11.06%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.25%

Lowest Card APR

10.66%

City Average APR

Credit Card APRs — Beloit, Wisconsin

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	TEACHERS ★ 4.9 · 7 reviews	10.25%	8.99%
2	FIRST COMMUNITY CU OF BELOIT ★ 4.3 · 303 reviews	11.06%	13.13%

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

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