Credit union · NCUA insured
Arbor Financial Credit Union Credit Card Rates
Top CarrotArbor Financial Credit Union credit cards start at 9.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Arbor Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near Kalamazoo, MI, where Arbor Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Arbor Financial Credit Union
9.75%APR
- Up to
- —
Advantage Visa Card
Lowest rate
United Bay Community Credit Union
8.96%APR
- Up to
- —
2nd-lowest rate
Consumers Credit Union
8.99%APR
- Up to
- 22.99% APR
Arbor Financial Credit Union credit card score
87
Credit card score
Higher than 77% of U.S. banks and credit unions
- Purchase APRPurchase APR9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arbor Financial 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.
Advantage Visa Card
Membership required. No annual fee. Requires assessment of individual creditworthiness and underwriting standards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Rates are variable. Qualification based on creditworthiness and underwriting standard. Annual fee is $0. Rates as low as 9.75% APR. Maximum APR is 18%. |
| Intro, 6 months | 2.99% | None | Fixed promotional rate of 2.99% APR for 6 monthly billing cycles. Zero transfer fee. Starting on the 7th month, converts to standard variable rate (starting at 9.75%). Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. |
Sources (3)
All captured Oct 5, 2026
Rewards Visa Card
Membership required. No annual fee. Requires assessment of individual creditworthiness and underwriting standards. Earn rewards points (3X restaurants/travel up to $1,000/cycle, 2X groceries/gas up to $1,000/cycle, 1X all else). 2,500 points for activation, 500 points for eStatements.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Rates are variable. Qualification based on creditworthiness and underwriting standard. Annual fee is $0. Rates as low as 13.00% APR. Maximum APR is 18%. |
| Intro, 6 months | 2.99% | None | Fixed promotional rate of 2.99% APR for 6 monthly billing cycles. Zero transfer fee. Starting on the 7th month, converts to standard variable rate (starting at 13.00%). Not eligible for CU Rewards Points and may not be used to pay other Arbor Financial accounts. |
Sources (3)
All captured Oct 5, 2026
Volt Rewards Visa Card
Designed for members aged 16-24 (requires parents as cosigners if starting at 16) to build credit. No annual fee. Requires assessment of individual creditworthiness and underwriting standards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Rates are variable. Qualification based on creditworthiness and underwriting standard. Annual fee is $0. Rates as low as 13.00% APR. Maximum APR is 18%. For members aged 16-24. |
Who can join Arbor Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or worships in the state of Michigan is eligible to join Arbor Financial Credit Union.
Cost to join
- A minimum deposit of $5 is required to open membership when joining.
Membership information collected October 5, 2026.