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Credit union · NCUA insured

Spirit of Alaska Credit Union Credit Card Rates

Top Carrot, Carrot Score 87Top Carrot

Spirit of Alaska Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.

How Spirit of Alaska Credit Union’s credit card rates compare

Compared with banks and credit unions near Fairbanks, AK, where Spirit of Alaska Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • Top Carrot, Carrot Score 87

    This credit union’s lowest

    Spirit of Alaska Credit Union

    9.99%APR

    Up to
    —

    Visa Platinum Credit Card

  • Lowest rate

    Credit Union 1

    8.95%APR

    Up to
    —

    Credit Union 1 rates

  • 3rd-lowest rate

    Global Credit Union

    12.50%APR

    Up to
    18.00% APR

    Global Credit Union rates

Compare credit card rates near you →

Spirit of Alaska Credit Union credit card score

82

Credit card score

Higher than 58% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR9.99%

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 Spirit of Alaska 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 Spirit of Alaska Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

  • Any person who lives, works, or worships within the Fairbanks North Star Borough is eligible for membership.

Employers and groups

  • Members of the Golden Valley Electric Association are eligible for membership.

Military, government and schools

  • Alumni of colleges and universities located within the credit union's field of membership, members of their immediate families, and organizations of such persons are eligible for membership.
  • Employees and students of public, private, and parochial schools, high schools, and institutions of higher learning north of the Alaska Range are eligible for membership.
  • Persons retired as pensioners or annuitants from school or higher learning employment north of the Alaska Range are eligible for membership.

Family and household

  • Immediate family members of current credit union members are eligible for membership.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← Spirit of Alaska Credit Union overview