Credit Cards · Laramie, Wyoming

Best Credit Union Credit Card Rates in Laramie, Wyoming

3 credit unions in Laramie report credit card APRs to the NCUA. Rates range from 7.50% to 13.49%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

7.50%

Lowest Card APR

11.17%

City Average APR

Credit Card APRs — Laramie, Wyoming

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	A.C.P.E. ★ 3.6 · 23 reviews	7.50%	10.40%
2	UNIWYO ★ 4.0 · 148 reviews	12.52%	11.93%
3	STAGEPOINT ★ 4.6 · 237 reviews	13.49%	17.00%

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

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