Credit union · NCUA insured
Spokane City Credit Union Credit Card Rates
Top CarrotSpokane City Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Spokane City Credit Union’s credit card rates compare
Compared with banks and credit unions near Spokane, WA, where Spokane City Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Spokane City Credit Union
10.99%APR
- Annual fee
- $12
Classic VISA
Lowest rate
Cheney Federal Credit Union
7.25%APR
- Annual fee
- None
2nd-lowest rate
Responders Emergency Services Credit Union
8.90%APR
- Annual fee
- None
Spokane City Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Spokane City 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.
Classic VISA
On approved credit. Restrictions may apply. Annual fee $12/year. Payment is 3% of loan balance, minimum of $20.00. eZCard online management, CardNav app controls, and VISA Rewards Program. Grace period for purchases is at least 25 days after the close of billing cycle.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | $12 | Standard purchase APR. Fixed rate. Payment is 3% of loan balance, minimum of $20.00. |
| Ongoing | 12.99% | $12 | Cash advance APR. 24-hour cash machine access available. |
Diamond VISA
On approved credit. Restrictions may apply. eZCard online management, CardNav app controls, and VISA Rewards Program (1 point per dollar spent). Grace period for purchases is at least 25 days after the close of billing cycle. Payment is 3% of loan balance, minimum of $20.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 18 months | 3.99% | None | Introductory rate of 3.99% APR on purchases effective for 18 months from account opening when switching over to Diamond card. Payment is 3% of loan balance, minimum $20.00. |
| Ongoing | 10.99% | None | Ongoing standard rate after 18-month introductory period expires. Payment is 3% of loan balance, minimum $20.00. |
| Ongoing | 12.99% | None | Cash advance APR. 24-hour cash machine access available. |
Secured VISA
On approved credit. Restrictions may apply. Annual fee $25/year. eZCard online management, CardNav app controls, and VISA Rewards Program. Grace period for purchases is at least 25 days after the close of billing cycle.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.50% | $25 | Standard purchase APR. |
| Ongoing | 12.99% | $25 | Cash advance APR. 24-hour cash machine access available. |
Sources (1)
- sccu.net/credit-cards · captured Oct 4, 2026
Who can join Spokane City 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 who lives, works, worships, or goes to school in the state of Washington.
Membership information collected October 4, 2026.