Credit union · NCUA insured
Jolt Credit Union Credit Card Rates
Jolt Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Jolt Credit Union’s credit card rates compare
Compared with banks and credit unions near Saginaw, MI, where Jolt Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Jolt Credit Union
9.90%APR
Platinum VISA Credit Card
Lowest rate
Family First Credit Union
8.90%APR
2nd-lowest rate
Security Credit Union
8.90%APR
Jolt 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 Jolt 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.
Ignite! Cash Back Visa
Earn unlimited 2% cash back on qualifying purchases (excludes balance transfers and cash advances). Limited-time offer: earn 3% cash back on all qualifying purchases from Nov. 1 to Dec. 31, 2026 (reverts to 2% on Jan. 1, 2027). Rewards redeemable in online and mobile banking once minimum $5 accumulated; rewards expire after 3 years. No annual fee, no application fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | APR as low as 11.90%. No annual fee. |
Platinum VISA Credit Card
No monthly or annual fees. Balance transfers treated as cash advances so interest accrues from the date transfer is posted.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | APR as low as 9.90%. No monthly or annual fees. |
Sources (4)
All captured Oct 7, 2026
Who can join Jolt Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work, or attend schools in Bay, Saginaw, Midland, Gratiot, Gladwin, Isabella, Clare, Arenac, Tuscola, Huron, Sanilac, Osceola, Wexford, Mecosta, Montcalm, Iosco, Ogemaw, Roscommon, and Missaukee counties are eligible for membership.
Employers and groups
- Employees of the Credit Union are eligible for membership.
Family and household
- Immediate family members (relatives by blood, marriage, or adoption) and individuals living in the same household as a current member are eligible for membership.
- A spouse of a deceased member is eligible for membership if accepted into membership prior to remarriage.
Other ways
- Any legal entity that is comprised for the most part of the same general group as the membership of the Credit Union is eligible for membership.
Membership information collected October 5, 2026.