Credit union · NCUA insured
Lakota FCU Credit Card Rates
Top CarrotLakota FCU credit cards start at 9.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Lakota FCU’s credit card rates compare
Compared with banks and credit unions in South Dakota, where Lakota FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Lakota FCU
9.00%APR
- Up to
- 15.00% APR
Credit Card
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
- —
Lakota FCU credit card score
88
Credit card score
Higher than 81% of U.S. banks and credit unions
- Purchase APRPurchase APR9.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lakota FCU 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.
Credit Card
Credit limit up to $8,000. $25 application fee. Rates based on creditworthiness. Average daily balance method used to calculate balance. No interest on purchases if entire balance paid by due date (at least 25 days after close of billing cycle).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.00%–15.00% | None | Rate based on creditworthiness. |
Sources (2)
All captured Oct 15, 2026
Who can join Lakota FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 (or regularly conduct business in), worship, attend school in, participate in associations headquartered in, or participate in programs to alleviate poverty or distress located in, and organizations located in the tribal lands of Jackson County and all of Oglala Lakota, Bennett, Todd, Mellette, Trip, or Gregory Counties in South Dakota.
Cost to join
- Membership requires opening a Share Account with a minimum deposit of $5.00 and presenting a federally recognized form of ID at the office.
Membership information collected October 4, 2026.