Credit Cards · Racine, Wisconsin

Best Credit Union Credit Card Rates in Racine, Wisconsin

3 credit unions in Racine report credit card APRs to the NCUA. Rates range from 9.99% to 14.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.99%

Lowest Card APR

11.93%

City Average APR

Credit Card APRs — Racine, Wisconsin

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MCU FINANCIAL CENTER ★ 4.0 · 17 reviews	9.99%	12.90%
2	RACINE MUNICIPAL EMPLOYEES ★ 4.8 · 9 reviews	10.90%	9.40%
3	EDUCATORS ★ 3.8 · 74 reviews	14.90%	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 Racine 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 Racine credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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