Credit union · NCUA insured
TBA Credit Union Credit Card Rates
TBA Credit Union credit cards start at 12.15% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How TBA Credit Union’s credit card rates compare
Compared with banks and credit unions near Traverse City, MI, where TBA Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
TBA Credit Union
12.15%APR
- Up to
- —
VISA Credit Card
Lowest rate
Northwest Consumers Federal Credit Union
8.88%APR
- Up to
- —
2nd-lowest rate
Lake Michigan Credit Union
9.75%APR
- Up to
- 17.75% APR
TBA Credit Union credit card score
71
Credit card score
Higher than 30% of U.S. banks and credit unions
- Purchase APRPurchase APR12.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TBA 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.
VISA Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.15% | None | — |
Who can join TBA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You can join if you live, work, attend school, or worship in Michigan.
Employers and groups
- You can join if you are a TBACU employee.
Military, government and schools
- You can join if you are an alumnus of Northwestern Michigan College.
Family and household
- You can join if you are an immediate family member of an eligible individual.
- You can join if you are the spouse of a deceased member (before remarriage).
Other ways
- You can join if you are an individual receiving retirement income who lives in or belongs to a retirement group in the region.
Membership information collected October 5, 2026.