Credit union · NCUA insured
North Star Credit Union Credit Card Rates
Top CarrotNorth Star Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How North Star Credit Union’s credit card rates compare
Compared with banks and credit unions near Duluth, MN-WI, where North Star Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
North Star Credit Union
7.90%APR
- Up to
- —
Visa Credit Card
Lowest rate
Minnesota Power Employee Credit Union
7.90%APR
- Up to
- 15.90% APR
3rd-lowest rate
Northwoods Credit Union
8.99%APR
- Up to
- 17.99% APR
North Star Credit Union credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Star 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
Membership required. All loans subject to credit approval. Rates are based on creditworthiness, loan amount, term, collateral, and other qualifying factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Low fixed rate. Same rate for purchase, transfer, and cash advances. No annual fee. No balance transfer or cash advance fees. No promotional teases. |
Sources (2)
All captured Oct 7, 2026
Who can join North Star 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This may be incomplete or out of date, so check with the credit union before you apply.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 reside, work, volunteer, attend class, or worship in the counties of St Louis, Itasca, Carlton, and Red Lake are eligible for membership.
Employers and groups
- Employees of BNSF Railroad are eligible for membership.
- Employees of North Star Credit Union are eligible for membership.
- Individuals who receive their electric power from Lake Country Power are eligible for membership.
Military, government and schools
- Individuals who live, work, volunteer, worship, or attend school in St. Louis County School District 2142 are eligible for membership.
Family and household
- Individuals who have a relative with an existing account with North Star Credit Union are eligible for membership.
Cost to join
- Opening a membership account represents a $10 share in the credit union.
Membership information collected October 4, 2026.