Credit union · NCUA insured
Novation Credit Union Credit Card Rates
Novation Credit Union credit cards start at 11.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Novation Credit Union’s credit card rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Novation Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Novation Credit Union
11.49%APR
- Up to
- 16.50% APR
Visa® Platinum Rewards Credit Card
Lowest rate
NSP Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Pipefitters Steamfitters Credit Union
8.75%APR
- Up to
- —
Novation Credit Union credit card score
76
Credit card score
Higher than 41% of U.S. banks and credit unions
- Purchase APRPurchase APR11.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Novation 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® Platinum Rewards Credit Card
Low variable rates based on evaluation of credit history and other factors; varies with the market based on Prime Rate (maximum 18% APR). No annual fee, no fees on cash advances, foreign transactions, or balance transfers. 25-day grace period (no grace period on cash advances and balance transfers).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49%–16.50% | None | Variable APR based on Prime Rate and creditworthiness (maximum 18% APR). No balance transfer fees. |
Who can join Novation Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone who supports the Novation Foundation with a minimum $10 donation.
Where you live or work
- Membership is open to individuals who live, work, go to school, or worship in 11 specified Minnesota counties.
Employers and groups
- Employees and retirees of 3M are eligible for membership.
- Employees and retirees of CHS are eligible for membership.
- Employees and retirees of Land O'Lakes are eligible for membership.
- Employees and retirees of Solventum are eligible for membership.
1 more way to join
Family and household
- Family members of current Novation members are eligible for membership.
Cost to join
- Membership requires a minimum opening deposit of $5 into a Primary Savings account, which is withdrawable if membership is discontinued.
Membership information collected October 4, 2026.