Credit union · NCUA insured
Highmark Federal Credit Union Credit Card Rates
Highmark Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Highmark Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rapid City, SD, where Highmark Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Highmark Federal Credit Union
9.90%APR
- Up to
- —
PLATINUM (POINTS)
Lowest rate
Aspen Federal Credit Union
7.00%APR
- Up to
- 11.90% APR
2nd-lowest rate
Black Hills Federal Credit Union
7.75%APR
- Up to
- —
Highmark Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Highmark 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.
PLATINUM (POINTS)
No annual fees. The same rate applies to purchases, balance transfers, or cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Rate as low as 9.90% APR. Same rate on purchases, balance transfers, or cash advances. Earns 1 point per $1 on qualified transactions. No annual fees. |
RUBY (CASH BACK)
No annual fees. The same rate applies to purchases, balance transfers, or cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Rate as low as 14.90% APR. Same rate on purchases, balance transfers, or cash advances. Up to 3.00% cash back on annual purchases over $3,000. No annual fees. |
Sources (1)
- highmarkfcu.com/personal/borrow/credit-cards · captured Oct 4, 2026
Who can join Highmark 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This may be incomplete or out of date, so check with the credit union before you apply.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 Butte, Custer, Fall River, Harding, Lawrence, Meade, or Pennington County, South Dakota, or Campbell, Crook, Niobrara, or Weston County, Wyoming.
Family and household
- Membership is open to anyone who has an immediate family member that is a member of Highmark Credit Union.
Membership information collected October 4, 2026.