Credit union · NCUA insured
Billings Federal Credit Union Credit Card Rates
Top CarrotBillings Federal Credit Union credit cards start at 13.00% APR on purchases, after any introductory rate. Rates checked November 12, 2026.
How Billings Federal Credit Union’s credit card rates compare
Ongoing purchase APR. The lowest rate among banks and credit unions with branches in each area.
This credit union’s lowest
Billings Federal Credit Union
13.00%APR
Visa Credit Card
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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.
Visa Credit Card
All loans subject to credit approval. $25.00 Share Savings deposit required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.00% | None | Adjustable rate. Rates subject to credit approval. Variable rate loans APR may vary after the account is opened. Maximum APR for consumer loans is 18%. $25.00 Share Savings deposit required. |
| Ongoing | 13.00% | None | Fixed interest rate. All loans subject to approval. No balance transfer fee, no cash advance fee. 25-day grace period on purchases. Average daily balance method. |
Sources (2)
All captured Nov 12, 2026
Billings Federal Credit Union credit card score
66
Credit card score
Higher than 17% of U.S. banks and credit unions
- Purchase APRPurchase APR13.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Who can join Billings Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or worships in 43 specified counties in Montana or 3 specified counties in Wyoming.
Family and household
- Membership is open to family members of eligible individuals.
Membership information collected October 4, 2026.