Vocal Credit Union Credit Card Rates

How Vocal Credit Union’s credit card rates compare

Compared with banks and credit unions near Helena, MT, where Vocal Credit Union has the most branches. Ongoing purchase APR, lowest first.

Credit card score

Higher than 41% of U.S. banks and credit unions

By rate

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

Where Vocal Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Available for purchases or cash advances. No penalty APR for late payment.

Applies to	APR	Annual fee	Conditions
Intro, 6 months	3.79%	None	All new VISA accounts come with a low 3.79% introductory rate for the first six months.
Ongoing	11.49%	None	Beyond the first six months, fixed rates as low as 11.49%.

Sources (2)

All captured Oct 7, 2026

This may be incomplete or out of date, so check with the credit union before you apply.

Persons who live, worship, work in, or attend school in, and businesses and other legal entities located in Beaverhead, Broadwater, Golden Valley, Jefferson County, Judith Basin, Lewis and Clark, Madison, Meagher, Powell, or Wheatland county, Montana are eligible for membership.

Persons related to someone who meets the geographic eligibility qualifications can join Vocal Credit Union.

Membership information collected October 4, 2026.