Credit union · NCUA insured
American United Federal Credit Union Credit Card Rates
Top CarrotAmerican United Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How American United Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Salt Lake City, UT, where American United Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
American United Federal Credit Union
9.90%APR
- Up to
- —
Rewards VISA®
Lowest rate
Deseret First Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Ridgeline Credit Union
8.90%APR
- Up to
- 18.00% APR
American United Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American United Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back VISA®
Membership required. On approved credit. Minimum credit limit is $200.00 unless part of a promotional program. Rates and financing are based on applicant's creditworthiness and the term of the loan.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed rate. Membership required, on approved credit. |
Sources (2)
All captured Oct 7, 2026
Rewards VISA®
Membership required. On approved credit. Minimum credit limit is $200.00 unless part of a promotional program. Rates and financing are based on applicant's creditworthiness and the term of the loan.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed rate. Membership required, on approved credit. |
Sources (2)
All captured Oct 7, 2026
Secured VISA®
Membership required. On approved credit. Uses a deposit/primary savings account balance as collateral. Maximum credit limit is based on available balance in savings; secured funds equal to outstanding credit limit must remain for the duration of the loan. Minimum limit is $200.00 unless part of a promotional program.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | 9.90% fixed rate for all credit scores. Deposit account balance used as collateral. |
Sources (2)
All captured Oct 7, 2026
Who can join American United Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available to anyone who agrees to join the Financial Fitness Association for $5.
Where you live or work
- Membership is open to individuals who live, work, or attend school in Carbon or Emery counties.
- Membership is open to individuals who live in an approved underserved area in Salt Lake County.
Employers and groups
- Membership is open to employees or members of an approved SEG group or association.
Family and household
- Membership is open to individuals related to an existing member of American United FCU.
Cost to join
- A $5 fee applies if qualifying for membership by joining the Financial Fitness Association.
- Opening a Primary, Youth, or GoldStar Savings Account requires a $5 minimum deposit at opening and maintaining a $5 minimum balance.
Membership information collected October 4, 2026.