Credit union · NCUA insured
Guadalupe Credit Union Credit Card Rates
Top CarrotGuadalupe Credit Union credit cards start at 8.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Guadalupe Credit Union’s credit card rates compare
Compared with banks and credit unions near Santa Fe, NM, where Guadalupe Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Guadalupe Credit Union
8.49%APR
- Annual fee
- $5
- Up to
- —
VISA Credit Card
Lowest rate
State Employees Credit Union
7.50%APR
- Annual fee
- None
- Up to
- —
3rd-lowest rate
Sandia Area Federal Credit Union
8.74%APR
- Annual fee
- None
- Up to
- 17.99% APR
Guadalupe Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Guadalupe 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.
Share Secured VISA Credit Card
Subject to membership eligibility and credit approval. Credit line is secured by a deposit in a share account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.92% | None | Fixed APR. Shares same terms as regular VISA card; secured by a deposit in a share account with potential to transition to a regular card with good credit history. |
VISA Credit Card
Subject to membership eligibility and credit approval. Rates, terms, card approval, and credit limits are based on creditworthiness and other factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.49% | $5 | Annual fee stated as $5 on page p19. Monthly payments are 3% of balance (minimum $30). 25-day grace period on all new purchases. Late fee of $25 applied after 10 days; over-limit fee is $10. |
Who can join Guadalupe 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This may be incomplete or out of date, so check with the credit union before you apply.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 employed or residing in Santa Fe County, Mora County, Rio Arriba County, San Miguel County, Taos County, Colfax County, or Torrance County.
Military, government and schools
- Employees and family members of employees of the Health and Environment, Human Services, and Children Youth and Family Departments of the State of New Mexico.
Family and household
- Immediate family members of current GCU members.
Cost to join
- A $5.00 minimum balance is required for the account.
- A $1.00 one-time membership fee is required.
Membership information collected October 4, 2026.