Credit union · NCUA insured
Bluestone Federal Credit Union Credit Card Rates
Bluestone Federal Credit Union credit cards start at 9.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Bluestone Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Sioux Falls, SD-MN, where Bluestone Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Bluestone Federal Credit Union
9.75%APR
- Up to
- —
Visa Platinum
Lowest rate
Black Hills Federal Credit Union
7.75%APR
- Up to
- —
2nd-lowest rate
Voyage Federal Credit Union
8.88%APR
- Up to
- 17.88% APR
Bluestone Federal 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 Bluestone 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.
Visa Classic
Subject to credit approval and membership eligibility with Bluestone Federal Credit Union. Rate reflects 4-star credit tier. No annual fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Rates as low as 9.75% APR for 4-star credit. No annual fee. |
Visa Platinum
Subject to credit approval and membership eligibility with Bluestone Federal Credit Union. Rate reflects 4-star credit tier. Visa Platinum includes Dreampoints Rewards. No annual fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Rates as low as 9.75% APR for 4-star credit. Visa Platinum with Rewards and no annual fee. |
Who can join Bluestone 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This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work, worship or attend school in 43 counties across 4 states (Iowa, Minnesota, Nebraska, South Dakota).
Family and household
- Immediate family members of eligible persons are eligible for membership.
Cost to join
- Members must fund their membership with a $5.00 share deposit.
Membership information collected October 4, 2026.