Credit union · NCUA insured
Granite Credit Union Credit Card Rates
Granite Credit Union credit card rates start at 11.49% APR. Rates checked October 22, 2026.
How Granite Credit Union’s credit card rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Granite Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Granite Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Deseret First Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Ridgeline Credit Union
8.90%APR
- Up to
- 18.00% APR
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 Platinum – Low Rate
Variable APR based on U.S. Prime Rate plus margin; maximum APR 18.00%. Minimum payment is greater of $20 or 3.00% of balance. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49%–18.00% | None | Variable rate. Minimum payment is the greater of $20 or 3.00% of balance. Margin to be disclosed in closing documents. |
VISA Platinum – Rewards
Variable APR based on U.S. Prime Rate plus margin; maximum APR 18.00%. Minimum payment is greater of $20 or 3.00% of balance. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–18.00% | None | Variable rate. Minimum payment is the greater of $20 or 3.00% of balance. Margin to be disclosed in closing documents. |
Visa Signature Cashback
Variable APR based on U.S. Prime Rate plus margin; maximum APR 18.00%. Minimum payment is greater of $20 or 2.00% of balance. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.49%–18.00% | None | Variable rate. Minimum payment is the greater of $20 or 2.00% of balance. Margin to be disclosed in closing documents. |
Who can join Granite 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This may be incomplete or out of date, so check with the credit union before you apply.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, worship, work (or regularly conduct business in), attend school, or have businesses and other legal entities in Salt Lake, Box Elder, Weber, Morgan, Davis, Summit, Tooele, Utah, Wasatch, or Juab County in Utah are eligible for membership.
Employers and groups
- Employees of Granite Credit Union are eligible for membership.
- Organizations of eligible persons are eligible for membership.
- Volunteers in the community are eligible for membership.
Family and household
- Members of the immediate family or household of eligible persons are eligible for membership.
Other ways
- Spouses of persons who died while within the field of membership of Granite Credit Union are eligible for membership.
Membership information collected October 4, 2026.