Credit union · NCUA insured
UW Credit Union Credit Card Rates
Top CarrotUW Credit Union credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How UW Credit Union’s credit card rates compare
Compared with banks and credit unions near Madison, WI, where UW Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UW Credit Union
12.90%APR
- Up to
- 24.25% APR
Visa Credit Card
Lowest rate
Wings Credit Union
10.74%APR
- Up to
- 21.74% APR
2nd-lowest rate
Blackhawk Community Credit Union
11.75%APR
- Up to
- 17.75% APR
UW Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UW 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
Underwriting required. A cosigner may be necessary if under age 21 and annual income is less than $2,000. Exclusive Motion W / Bucky design option available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.65%–24.00% | None | Standard variable APR (Prime + 5.90%). Rates as of 1/26/26 are 12.65% - 24.00%. |
| Ongoing | 12.90%–24.25% | None | Standard variable APR range as of 11/25/25. |
| Intro, 6 months | 0.00% | None | Promotional rate for balance transfers valid for 6 billing cycles; returns to standard variable APR (12.65% - 27.00%) thereafter. Balance transfer fee is 3% of balance transferred or $10, whichever is greater. Balances must be transferred in Web Branch or at a branch. Cannot be used to refinance existing UW Credit Union loan balances. |
Visa Rewards Credit Card
Underwriting required. Exclusive Motion W / Bucky design option available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.25%–26.60% | None | Standard variable APR (Prime + 8.50%). Rates as of 1/26/26 are 15.25% - 26.60%. |
| Ongoing | 15.50%–26.85% | None | Standard variable APR range as of 11/25/25. |
| Intro, 6 months | 0.00% | None | Promotional rate for balance transfers valid for 6 billing cycles; returns to standard variable APR (12.65% - 27.00%) thereafter. Balance transfer fee is 3% of balance transferred or $10, whichever is greater. Balances must be transferred in Web Branch or at a branch. Cannot be used to refinance existing UW Credit Union loan balances. |
Visa Secured
Underwriting required. Monthly payment is 2% of balance or $15, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.45% | None | Variable APR as low as 17.45% (Prime + 10.70%). Monthly payment 2% of balance or $15 whichever is greater. |
Sources (1)
- uwcu.org/rates/credit-cards · captured Oct 5, 2026
Visa Signature Rewards Credit Card
Underwriting required. Exclusive Motion W / Bucky design option available.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.91%–27.00% | None | Standard variable APR (Prime + 12.16%). Rates as of 1/26/26 are 18.91% - 27.00%. |
| Ongoing | 19.16%–27.25% | None | Standard variable APR range as of 11/25/25. |
| Intro, 6 months | 0.00% | None | Promotional rate for balance transfers valid for 6 billing cycles; returns to standard variable APR (12.65% - 27.00%) thereafter. Balance transfer fee is 3% of balance transferred or $10, whichever is greater. Balances must be transferred in Web Branch or at a branch. Cannot be used to refinance existing UW Credit Union loan balances. |
Who can join UW Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work or attend school within 5 miles of any branch location are eligible for membership.
Employers and groups
- Current and former employees of listed affiliated organizations and select employers are eligible for membership.
Military, government and schools
- Wisconsin residents who are currently enrolled at or have previously attended any accredited institution of higher education worldwide are eligible for membership.
- Employees, students, and alumni of listed University of Wisconsin schools, colleges, and extensions are eligible for membership.
Family and household
- Immediate family members (spouse, parent, child, stepchild, stepparent, grandparent, grandchild, sibling, adoptive parent/child) of any eligible person, or persons of the same residence maintaining a single economic unit, are eligible for membership.
Membership information collected October 5, 2026.