Credit union · NCUA insured
SMW Financial Credit Union Credit Card Rates
Top CarrotSMW Financial Credit Union credit cards start at 12.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How SMW Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where SMW Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SMW Financial Credit Union
12.99%APR
- Up to
- 18.00% APR
SMW Cash Back Visa Card
Lowest rate
NSP Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
Pipefitters Steamfitters Credit Union
8.75%APR
- Up to
- —
SMW Financial Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR12.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SMW Financial 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.
SMW Cash Back Visa Card
1% Cash Back on purchases. Minimum credit limit $300, maximum credit limit $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–18.00% | None | APR for purchases: 12.99% to 18.00% depending on creditworthiness. |
Sources (1)
- smwfcu.com/loans/credit-cards/credit-cards.html · captured Oct 5, 2026
SMW Platinum Rewards Bonus Points Visa Card
1 point for every $1 spent, which are redeemable for merchandise and travel. Minimum credit limit $300, maximum credit limit $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–18.00% | None | APR for purchases: 12.99% to 18.00% depending on creditworthiness. |
Sources (1)
- smwfcu.com/loans/credit-cards/credit-cards.html · captured Oct 5, 2026
Who can join SMW Financial 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This may be incomplete or out of date, so check with the credit union before you apply.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 available to anyone who lives, works, worships, attends school, or volunteers in Anoka, Hennepin, Ramsey, or Washington Counties.
Membership information collected October 4, 2026.