Credit union · NCUA insured
NSP Credit Union Credit Card Rates
Top CarrotNSP Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How NSP Credit Union’s credit card rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where NSP Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NSP Credit Union
7.90%APR
VISA® Platinum Credit Card
2nd-lowest rate
Pipefitters Steamfitters Credit Union
8.75%APR
3rd-lowest rate
Unity One Credit Union
8.90%APR
NSP 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 NSP 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 Credit Card
Proof of income is required on all new applications or line of credit increase requests. 5-day grace period. Membership with NSP Credit Union required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Fixed APR. No annual fee. No balance transfer fees. 5-day grace period. |
Sources (4)
- mynspcu.org/rates
- mynspcu.org/visa-credit-cards
- mynspcu.org/credit-card-balance-transfer
- mynspcu.org/forms-and-disclosures
All captured Oct 7, 2026
Who can join NSP Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals who are currently employed with or retired from specified trade, industry, and professional groups within the North American Industry Classification System (NAICS).
Family and household
- Membership is open to the household of a member, including but not limited to the spouse of a member, and the blood or adoptive relatives of them and their spouses.
- The surviving spouse of a regularly qualified member, and the blood or adoptive relatives of either of them or their spouses may become members.
Cost to join
- Joining requires opening and funding a Member Savings account in branch or online.
Membership information collected October 4, 2026.