Credit union · NCUA insured
Citizens Community Credit Union Credit Card Rates
Citizens Community Credit Union credit cards start at 10.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Citizens Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Fort Dodge, IA, where Citizens Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Citizens Community Credit Union
10.50%APR
- Up to
- —
Classic VISA® Credit Card
2nd-lowest rate
Peoples Credit Union
11.74%APR
- Up to
- —
3rd-lowest rate
Wells Fargo
17.74%APR
- Up to
- 28.49% APR
Citizens Community Credit Union credit card score
81
Credit card score
Higher than 54% of U.S. banks and credit unions
- Purchase APRPurchase APR10.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citizens Community 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.
Classic VISA® Credit Card
Variable interest rate subject to change after account opening. Subject to credit approval. Introductory 2.99% APR on balance transfers for 12 monthly billing cycles from account open date; regular APR 10.50% - 19.99% based on creditworthiness. No balance transfer fees, no annual fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.50% | None | Variable interest rates as low as 10.50% APR based on creditworthiness. Variable rate subject to change after account opening. All loans subject to credit approval. |
| Intro, 12 months | 2.99% | None | Introductory rate on balance transfers for 12 monthly billing cycles from account open date. After that, APR will be 10.50% – 19.99% based on creditworthiness. No balance transfer fees. |
Sources (1)
- citizenscu.com/credit-cards · captured Oct 7, 2026
Platinum Rewards VISA® Credit Card
Variable interest rate subject to change after account opening. Subject to credit approval. Introductory 2.99% APR on balance transfers for 12 monthly billing cycles from account open date; regular APR 12.50% - 19.99% based on creditworthiness. No balance transfer fees, no annual fees. Earns 2 Reward Points for every $1 spent.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | Variable interest rates as low as at 12.50% APR based on creditworthiness. Variable rate subject to change after account opening. All loans subject to credit approval. |
| Intro, 12 months | 2.99% | None | Introductory rate on balance transfers for 12 monthly billing cycles from account open date. After that, APR will be 12.50% – 19.99% based on creditworthiness. No balance transfer fees. |
Sources (1)
- citizenscu.com/credit-cards · captured Oct 7, 2026
Secured VISA® Credit Card
Secured with Citizens savings account. Perfect for members with limited or no credit history. Variable rate subject to change after account opening. Subject to credit approval. No annual fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.50% | None | Variable interest rates as low as 17.50% APR. Secured with your Citizens savings account. Variable rate subject to change after account opening. All loans subject to credit approval. |
Sources (1)
- citizenscu.com/credit-cards · captured Oct 7, 2026
Who can join Citizens Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in one of 33 specified Iowa counties are eligible for membership.
Employers and groups
- Members of 499 Iowa Cooperatives and members of the Iowa Independent Automotive Dealers Association are eligible for membership.
Family and household
- Individuals who have a close relative who lives or works in one of the 33 specified Iowa counties are eligible for membership.
Cost to join
- Membership requires a $25 membership share deposit in a savings account.
Membership information collected October 4, 2026.