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Credit union · NCUA insured

Saint Michaels Federal Credit Union Credit Card Rates

Saint Michaels Federal Credit Union credit cards start at 10.75% APR on purchases, after any introductory rate. Rates checked October 15, 2026.

How Saint Michaels Federal Credit Union’s credit card rates compare

Compared with banks and credit unions near Providence, RI-MA, where Saint Michaels Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • This credit union’s lowest

    Saint Michaels Federal Credit Union

    10.75%APR

    Annual fee
    $15

    Visa Card

  • Top Carrot, Carrot Score 89

    Lowest rate

    Ocean State Credit Union

    8.90%APR

    Annual fee
    None

    Ocean State Credit Union rates

  • Top Carrot, Carrot Score 89

    2nd-lowest rate

    Arise Financial

    9.90%APR

    Annual fee
    None

    Arise Financial rates

Compare credit card rates near you →

Saint Michaels Federal Credit Union credit card score

77

Credit card score

Higher than 43% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR10.75%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Saint Michaels Federal 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.

Who can join Saint Michaels Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Membership is open to anyone in Fall River, Somerset, Swansea, Freetown, Assonet, Berkley, Dighton, and Lakeville, including anyone who lives, works, worships, and/or attends school in those communities.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Saint Michaels Federal Credit Union overview