Credit union · NCUA insured
MountainCrest Credit Union Credit Card Rates
MountainCrest Credit Union credit cards start at 12.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How MountainCrest Credit Union’s credit card rates compare
Compared with banks and credit unions near Seattle, WA, where MountainCrest Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MountainCrest Credit Union
12.50%APR
- Up to
- 18.00% APR
Visa Credit Card
Lowest rate
America's Credit Union
8.79%APR
- Up to
- 18.00% APR
2nd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
MountainCrest Credit Union credit card score
70
Credit card score
Higher than 26% of U.S. banks and credit unions
- Purchase APRPurchase APR12.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MountainCrest 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.
Visa Credit Card
No balance transfer fee. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50%–18.00% | None | Variable APR based on the Prime Rate. Actual rate based on creditworthiness. |
| Intro, 12 months | 2.99% | None | Fixed promotional APR for 12 months on purchases when opening a new card. After promotional period, rate reverts to standard APR. Offer valid on non-MCCU balances limited to approved credit line. |
Sources (3)
- mountaincrestcu.com/loans-credit
- mountaincrestcu.com/loans-credit/visa-credit-card.html
- mountaincrestcu.com/services-tools/tools/rates.html
All captured Oct 4, 2026
Who can join MountainCrest 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This may be incomplete or out of date, so check with the credit union before you apply.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 who live, work, or worship in Washington state are eligible to join MountainCrest Credit Union.
Family and household
- Extended family members of eligible individuals—including spouses, children, grandchildren, parents, grandparents, sisters, brothers, and their families—are eligible for membership.
Cost to join
- Opening an account requires a minimum initial deposit of $5.
Membership information collected October 4, 2026.