Credit union · NCUA insured
Options Credit Union Credit Card Rates
Top CarrotOptions Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Options Credit Union’s credit card rates compare
Compared with banks and credit unions near Denver, CO, where Options Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Options Credit Union
10.90%APR
- Up to
- 12.90% APR
VISA Credit Card
Lowest rate
SPACE AGE
7.00%APR
- Up to
- —
2nd-lowest rate
Horizons North Credit Union
7.99%APR
- Up to
- —
Options Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Options 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.
Share Secured Visa
Credit builder share-secured credit card with revolving term. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.90% | None | Revolving terms. Rate provided under Credit Builder loan schedule. |
Sources (1)
- optionscreditunion.com/loan-rates · captured Oct 22, 2026
VISA Credit Card
Non-variable interest rate. No annual fees or over-the-limit fees. Approved rate and credit limit are based on income, credit score, and other qualifying factors.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90%–12.90% | None | Tier A+ and A. Maximum credit limit up to $15,000. Non-variable rate. |
| Ongoing | 14.90%–16.90% | None | Tier B and C. Maximum credit limit up to $8,000. Non-variable rate. |
| Ongoing | 18.90%–21.00% | None | Tier D and E. Maximum credit limit up to $1,500. Non-variable rate. |
| Intro, 12 months | 1.99% | None | Promotional rate of 1.99% APR for 12 months for balance transfers completed between 2/1/26 and 5/1/26. Available for both new and existing credit card accounts. After the promo period, remaining balance converts to standard account APR. |
| Intro, 15 months | 3.99% | None | Promotional rate of 3.99% APR for 15 months for balance transfers completed between 10/1/25 and 12/1/25. Available for new and existing credit card accounts. After the promo period, remaining balance reverts to standard account APR. |
Who can join Options Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members and employees of the Colorado Bar Association are eligible for membership.
- Members and employees of the Denver Bar Association are eligible for membership.
- Members and employees of GoWest Friends of the Foundation are eligible for membership.
- Members and employees of the Rocky Mountain Paralegal Association are eligible for membership.
Other ways
- Individuals not currently a member of a partner association can join Friends of the Foundation online and become eligible for membership if they reside in Colorado.
Membership information collected October 4, 2026.