Credit union · NCUA insured
United Savings Credit Union Credit Card Rates
United Savings Credit Union credit cards start at 11.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How United Savings Credit Union’s credit card rates compare
Compared with banks and credit unions near Fargo, ND-MN, where United Savings Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United Savings Credit Union
11.75%APR
- Up to
- 20.75% APR
VISA Line Of Credit
Lowest rate
Fargo Public Schools Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Town and Country Credit Union
9.90%APR
- Up to
- —
United Savings Credit Union credit card score
74
Credit card score
Higher than 37% of U.S. banks and credit unions
- Purchase APRPurchase APR11.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Savings 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.
Share Secured VISA
Secured credit card; variable rate based on credit score; $1,000 credit limit with matching funds held in a special savings account while the card is open; monthly payments are 2.00% of unpaid balance or $25.00, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75%–20.75% | None | Variable rate based on credit score. |
Sources (3)
- unitedsavingscu.org/borrow/visa-credit-cards
- unitedsavingscu.org/spend/visa-credit-card
- unitedsavingscu.org/borrow/loan-rates
All captured Oct 7, 2026
VISA Line Of Credit
Variable rate based on credit score; monthly payments are 2.00% of unpaid balance or $25.00, whichever is greater; no cash advance or balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75%–20.75% | None | Variable rate based on credit score. |
Sources (3)
- unitedsavingscu.org/borrow/visa-credit-cards
- unitedsavingscu.org/spend/visa-credit-card
- unitedsavingscu.org/borrow/loan-rates
All captured Oct 7, 2026
Who can join United Savings Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons living within a 75-mile radius of the credit union's home office in Fargo, North Dakota are eligible for membership.
Employers and groups
- Organizations located within a 75-mile radius of the home office in Fargo, North Dakota are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Cost to join
- Membership requires depositing $25.00 into a regular share account.
Membership information collected October 4, 2026.