Credit union · NCUA insured
Del Norte Credit Union Credit Card Rates
Top CarrotDel Norte Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Del Norte Credit Union’s credit card rates compare
Compared with banks and credit unions near Santa Fe, NM, where Del Norte Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Del Norte Credit Union
11.74%APR
- Annual fee
- None
Emerge VISA
Lowest rate
State Employees Credit Union
7.50%APR
- Annual fee
- None
2nd-lowest rate
Guadalupe Credit Union
8.49%APR
- Annual fee
- $5
Del Norte Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Del Norte 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.
DNCU Share Secured Credit Cards
No annual fee. Cash advance fee: No Fee. Foreign transaction fee: 1% of each transaction in U.S. dollars. Late payment fee: $25.00. Returned payment fee: $25.00. Processing fee: No Fee. Monthly payment will be 3% of average monthly balance or $15, whichever is greater. Rate may be different based on credit approval, collateral, or terms requested.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash. Monthly payment will be 3% of average monthly balance or $15, whichever is greater. |
Sources (1)
- dncu.com/rates-fees · captured Oct 22, 2026
Elevate VISA
No annual fee. 1.5% cash back on everyday purchases. Quarterly rewards promotions may apply. Minimum monthly payment is typically 3% of average monthly balance or $15, whichever is greater. Average daily balance method used. Grace period of at least 25 days on purchases. Rate is variable and will adjust based on Prime.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.74% | None | Rates starting at 15.74% APR. No annual fee. |
Sources (1)
- dncu.com/personal/credit-cards · captured Oct 22, 2026
Emerge VISA
No annual fee. Best if you want a fresh start to build or rebuild credit. Minimum monthly payment is typically 3% of average monthly balance or $15, whichever is greater. Rate is variable and will adjust based on Prime.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74% | None | Rates starting at 11.74% APR. No annual fee. |
Sources (1)
- dncu.com/personal/credit-cards · captured Oct 22, 2026
Evolve VISA
No annual fee. Rewards for travel and merchandise. Member must sign up to use rewards. Minimum monthly payment is typically 3% of average monthly balance or $15, whichever is greater. Rate is variable and will adjust based on Prime.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74% | None | Rates starting at 13.74% APR. No annual fee. |
Sources (1)
- dncu.com/personal/credit-cards · captured Oct 22, 2026
Who can join Del Norte 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 in contiguous states living or working within 150 miles of Raton, subject to the rules and regulations of those states.
- Membership is open to persons living or working in all counties of the State of New Mexico.
Employers and groups
- Membership is open to employees of Del Norte Credit Union.
Military, government and schools
- Membership is open to employees of the Los Alamos National Laboratory (LANL) and other personnel assigned to LANL.
Family and household
- Membership is open to immediate family members of employees of Del Norte Credit Union.
Membership information collected October 4, 2026.