Credit union · NCUA insured
Valley Credit Union Credit Card Rates
Valley Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Valley Credit Union’s credit card rates compare
Compared with banks and credit unions near Billings, MT, where Valley Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Valley Credit Union
11.74%APR
- Up to
- —
Platinum Visa® Credit Cards
Lowest rate
Black Hills Federal Credit Union
7.75%APR
- Up to
- —
2nd-lowest rate
Altana Federal Credit Union
7.95%APR
- Up to
- 17.90% APR
Valley Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley 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.
Platinum Share Secured Visa®
Requires a deposit to your Share Savings account equivalent to the amount approved. Not eligible for promotional balance transfer rate offer. Rate not to exceed 17.99%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | For Under 619 credit scores and Secured Credit Cards. Index is Prime + 12.74% APR (Prime=6.75% APR), rate capped at 17.99%. Credit limit min $500, max $3,000. Minimum payment $25 or 2% of balance (whichever is greater). Promo APR N/A. |
Sources (2)
- valleyfcu.com/about/member-resources/rates.html
- valleyfcu.com/loans/consumer-l…s/visa-credit-cards.html
All captured Oct 4, 2026
Platinum Visa® Credit Cards
Rate not to exceed 17.99%. Variable APR based on Prime Rate (Prime + margin). Minimum payment is $25 or 2% of balance (whichever is greater). No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.49% | None | Credit score 735+ (Grade A+). Rate is Prime + 4.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $1,000, max $20,000. |
| Intro, 6 months | 1.99% | None | Introductory promotional balance transfer APR for 6 statement cycles / 6 months. Based on credit score 735+ (Grade A+) or over 700. Valid for balances transferred from another financial institution. Account must be in good standing. |
| Ongoing | 11.49% | None | Credit score 700–734 (Grade A). Rate is Prime + 4.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $1,000, max $20,000. |
| Ongoing | 13.49% | None | Credit score 660–699 (Grade B). Rate is Prime + 6.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $1,000, max $10,000. |
| Ongoing | 3.99% | None | Promotional balance transfer APR. Based on credit score 660–699 (Grade B). Promo rates only apply to balance transfer. |
| Ongoing | 15.49% | None | Credit score 620–659 (Grade C). Rate is Prime + 8.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $500, max $5,000. |
| Ongoing | 5.99% | None | Promotional balance transfer APR. Based on credit score 620–659 (Grade C). Promo rates only apply to balance transfer. |
| Ongoing | 17.99% | None | Credit score Under 619 & Secured Credit Cards. Rate is Prime + 12.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $500, max $3,000. Promotional APR not applicable. |
Platinum Visa® REWARDS Credit Cards
Rate not to exceed 17.99%. Variable APR based on Prime Rate (Prime + margin). Minimum payment is $25 or 2% of balance (whichever is greater). No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49% | None | Credit score 735+ (Grade A+). Rate is Prime + 6.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $1,000, max $20,000. |
| Intro, 6 months | 1.99% | None | Introductory promotional balance transfer APR for 6 statement cycles / 6 months. Based on credit score 735+ (Grade A+) or over 700. Valid for balances transferred from another financial institution. Account must be in good standing. |
| Ongoing | 13.49% | None | Credit score 700–734 (Grade A). Rate is Prime + 6.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $1,000, max $20,000. |
| Ongoing | 15.49% | None | Credit score 660–699 (Grade B). Rate is Prime + 8.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $1,000, max $10,000. |
| Ongoing | 3.99% | None | Promotional balance transfer APR. Based on credit score 660–699 (Grade B). Promo rates only apply to balance transfer. |
| Ongoing | 17.49% | None | Credit score 620–659 (Grade C). Rate is Prime + 10.74% APR (Index Prime=6.75% APR), not to exceed 17.99%. Credit limit min $500, max $5,000. |
| Ongoing | 5.99% | None | Promotional balance transfer APR. Based on credit score 620–659 (Grade C). Promo rates only apply to balance transfer. |
Who can join Valley 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 who live, work, worship or attend school in, and businesses and other legal entities located in specified counties in Montana (Beaverhead, Big Horn, Broadwater, Carbon, Carter, Cascade, Chouteau, Custer, Dawson, Deer Lodge, Fallon, Fergus, Flathead, Gallatin, Garfield, Golden Valley, Jefferson, Judith Basin, Lewis and Clark, Madison, McCone, Meagher, Missoula, Musselshell, Park, Petroleum, Powder River, Powell, Prairie, Richland, Rosebud, Silver Bow, Stillwater, Sweet Grass, Treasure, Wheatland, Wibaux or Yellowstone Counties) or Park County, Wyoming are eligible to join.
Employers and groups
- Persons retired as pensioners or annuitants from qualifying employment, and organizations of such persons, are eligible to join.
Family and household
- Relatives of someone who qualifies for membership are eligible to join regardless of where they live or work, including parents, spouse, children, grandchildren, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Cost to join
- Membership requires opening a Regular Savings account with as little as $25.
Membership information collected October 4, 2026.