Credit union · NCUA insured
Serve Credit Union Credit Card Rates
Top CarrotServe Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Serve Credit Union’s credit card rates compare
Compared with banks and credit unions near Des Moines, IA, where Serve Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Serve Credit Union
8.90%APR
- Up to
- 14.90% APR
Mastercard Classic
Lowest rate
Advantage Credit Union
7.90%APR
- Up to
- 13.90% APR
2nd-lowest rate
IH Mississippi Valley Credit Union
7.90%APR
- Up to
- —
Serve Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Serve 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.
Cash-Back Rewards Mastercard
Annual Percentage Rate is based on creditworthiness. No interest charged on purchases if entire balance is paid by due date each month (at least 28 days after billing cycle close). Interest begins on transaction date for cash advances and balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.49%–11.49% | None | Rate based on creditworthiness. No balance transfer fee. |
Sources (3)
All captured Oct 5, 2026
Mastercard Classic
Annual Percentage Rate is based on creditworthiness. No interest charged on purchases if entire balance is paid by due date each month (at least 28 days after billing cycle close). Interest begins on transaction date for cash advances and balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90%–14.90% | None | Rate based on creditworthiness. No balance transfer fee. |
Sources (3)
All captured Oct 5, 2026
Who can join Serve Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Serve Credit Union are eligible for membership.
- Employees, volunteers, retired personnel, and members of health/medical care facilities and organizations who live, work, or worship in Polk County or contiguous counties (Dallas, Boone, Story, Jasper, Marion, Warren, and Madison) are eligible for membership.
- Employees of small employee groups approved by the Superintendent are eligible for membership.
Military, government and schools
- Teachers, administrators, employees, board members, volunteers, retired personnel, and members of schools, recognized private homeschooling, and educational associations/entities within the State of Iowa are eligible for membership.
- Employees, volunteers, and retired personnel of any federal, state, county, or city governmental agencies within the State of Iowa are eligible for membership.
- Employees, volunteers, retired personnel, and members of public agencies, associations, institutions, departments, and government entities within the State of Iowa that enforce laws, rules, and ordinances or protect life and property are eligible for membership.
3 more ways to join
Family and household
- Persons in the same household as a current member, or persons related to a member or spouse by blood or marriage, and relatives of a deceased member are eligible for membership.
Other ways
- Members of Polk County Schools Employees Credit Union as of October 1, 2016 are eligible for membership.
- Members of USDA Credit Union as of May 1, 2015 are eligible for membership.
Cost to join
- Members must fund the membership at opening with a minimum deposit of $25 into the Basic Share / par share.
Membership information collected October 4, 2026.