Credit Cards · Madison, Wisconsin

Best Credit Union Credit Card Rates in Madison, Wisconsin

5 credit unions in Madison report credit card APRs to the NCUA. Rates range from 9.90% to 19.75%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

15.21%

City Average APR

Credit Card APRs — Madison, Wisconsin

5 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SUMMIT ★ 4.6 · 162 reviews	9.90%	18.00%
2	HEARTLAND ★ 3.1 · 78 reviews	12.75%	12.49%
3	UNIVERSITY OF WISCONSIN ★ 4.7 · 209 reviews	16.70%	12.74%
4	MADISON ★ 4.4 · 44 reviews	16.95%	13.90%
5	WEA ★ 5.0 · 3 reviews	19.75%	15.00%

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

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