Credit union · NCUA insured
West Michigan Credit Union Credit Card Rates
West Michigan Credit Union credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How West Michigan Credit Union’s credit card rates compare
Compared with banks and credit unions near Grand Rapids, MI, where West Michigan Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
West Michigan Credit Union
11.00%APR
Better Rate Credit Card
Lowest rate
River Valley Credit Union
7.50%APR
2nd-lowest rate
Muskegon Federal Credit Union
7.90%APR
West Michigan Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where West Michigan 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.
Better Rate Credit Card
Credit is subject to approval. Rate is subject to change and may vary based on creditworthiness. Must qualify for membership.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00% | None | Rates as low as 11.00% APR. Credit is subject to approval. Rate is subject to change and may vary based on creditworthiness. Must qualify for membership. |
Sources (3)
All captured Oct 5, 2026
Better Reward Credit Card
Credit is subject to approval. Rate subject to change and may vary based on creditworthiness. Must qualify for membership. Earn 1% cash back up to $200 per month on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | Rates as low as 12.00% APR. Credit is subject to approval. Rate subject to change and may vary based on creditworthiness. Must qualify for membership. Participants can earn 1% cash reward up to $200 per month by using the card to make purchases. |
Sources (3)
All captured Oct 5, 2026
Who can join West Michigan 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This may be incomplete or out of date, so check with the credit union before you apply.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, or have their place of religious worship in specified Michigan counties are eligible for membership.
Employers and groups
- Employees and pensioners of Miller Industries, Inc., Reed City, Michigan are eligible for membership.
- Team Members of West Michigan Credit Union, A Division of WMCU are eligible for membership.
Military, government and schools
- Employees or pensioners of the State of Michigan who work or live in Leelanau County, Michigan are eligible for membership.
Family and household
- Members and immediate families of the foregoing eligible persons are eligible for membership.
- A spouse of a deceased member is eligible for membership if elected to membership prior to remarriage.
Membership information collected October 5, 2026.