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Credit union · NCUA insured

Blue Water Federal Credit Union Credit Card Rates

Blue Water Federal Credit Union credit cards start at 12.96% APR on purchases, after any introductory rate. Rates checked October 16, 2026.

How Blue Water Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Detroit, MI, where Blue Water Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    Blue Water Federal Credit Union

    12.96%APR

    Platinum Visa Credit Card

  • Top Carrot, Carrot Score 91

    Lowest rate

    Construction Federal Credit Union

    6.87%APR

    Construction Federal Credit Union rates

  • Top Carrot, Carrot Score 93

    2nd-lowest rate

    Polish-American FCU

    6.90%APR

    Polish-American FCU rates

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Blue Water Federal Credit Union credit card score

67

Credit card score

Higher than 20% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR12.96%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Blue Water 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.

Who can join Blue Water Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Military, government and schools

  • Federal employees working in specified counties (St. Clair, Huron, Sanilac, Tuscola) or towns (Armada, Memphis, Mt. Clemens, New Baltimore, New Haven, Richmond, St. Clair Shores, Clifford, Imlay City, Lapeer) are eligible for membership.

Family and household

  • Immediate family members of a current credit union member are eligible for membership.
  • Immediate family members of an individual eligible to become a credit union member are eligible for membership.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Blue Water Federal Credit Union overview