Bank · FDIC insured
Houghton State Bank Credit Card Rates
Houghton State Bank credit card rates start at 16.99% APR. Rates checked October 16, 2026.
How Houghton State Bank’s credit card rates compare
Compared with banks and credit unions in Iowa, where Houghton State Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Houghton State Bank
– –
- Up to
- —
No ongoing APR published
Lowest rate
Advantage Credit Union
7.90%APR
- Up to
- 13.90% APR
2nd-lowest rate
IH Mississippi Valley Credit Union
7.90%APR
- Up to
- —
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Maximum Rewards Visa Signature Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% introductory APR on purchases for the first 12 billing cycles after account opening. |
| Ongoing | 18.99%–28.99% | None | Variable APR based on the Prime Rate after the first 12 billing cycles. |
Sources (1)
- houghtonstatebank.com/personal-banking/credit-cards · captured Oct 7, 2026
Platinum Edition Visa Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 18 months | 0.00% | None | 0% introductory APR on purchases for the first 18 billing cycles after account opening. |
| Ongoing | 16.99%–26.99% | None | Variable APR based on the Prime Rate after the first 18 billing cycles. |
Sources (1)
- houghtonstatebank.com/personal-banking/credit-cards · captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.