Credit union · NCUA insured
U.P. State Credit Union Credit Card Rates
Top CarrotU.P. State Credit Union credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How U.P. State Credit Union’s credit card rates compare
Compared with banks and credit unions near Sault Ste. Marie, MI, where U.P. State Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
U.P. State Credit Union
9.50%APR
- Up to
- —
VISA Classic Credit Card
Lowest rate
Soo Co-Op CU
8.95%APR
- Up to
- —
3rd-lowest rate
Nicolet National Bank
11.90%APR
- Up to
- 23.90% APR
U.P. State Credit Union credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where U.P. State 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 Classic Credit Card
Credit limit up to $7,500; no annual or application fees; 25-day purchase grace period. Rates and terms subject to credit approval and underwriting.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.50% | None | As low as 9.50% APR; subject to credit approval; credit limit up to $7,500; 25-day purchase grace period; no annual or application fees. |
Sources (1)
- upscu.com/loans/visa-credit-card · captured Oct 5, 2026
VISA Platinum Card
Credit limit up to $30,000; no annual or application fees; 25-day grace period on new purchases when balance paid in full each month; ScoreCard Rewards. Rates and terms subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | As low as 13.50% APR; subject to credit approval; credit limit up to $30,000; 25-day grace period on new purchases when paid in full each month; no annual or application fees. |
Sources (1)
- upscu.com/loans/visa-credit-card · captured Oct 5, 2026
Who can join U.P. State Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the Upper Peninsula is eligible to join.
Family and household
- Any immediate family members of current UPSCU members are eligible to join.
Cost to join
- A $5 deposit into a share (savings) account is required to establish membership.
Membership information collected October 5, 2026.