Credit union · NCUA insured
Westmark Credit Union Credit Card Rates
Top CarrotWestmark Credit Union credit cards start at 11.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Westmark Credit Union’s credit card rates compare
Compared with banks and credit unions near Idaho Falls, ID, where Westmark Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Westmark Credit Union
11.50%APR
- Up to
- 17.50% APR
Cobalt Edge Credit Card
Lowest rate
Goldenwest Credit Union
10.24%APR
- Up to
- 18.00% APR
2nd-lowest rate
Members Preferred Credit Union
10.88%APR
- Up to
- 18.88% APR
Westmark Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Westmark 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.
Cobalt Edge Credit Card
All loans are on approved credit basis. Rates are tiered based on credit score. Available to Westmark members (membership requires Primary Savings with $5 minimum deposit). Variable rates.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50%–17.50% | None | Regular variable purchase APR based on credit score tier. No annual fee, no cash advance fees, 25-day grace period on purchases. |
| Intro, 12 months | 0.00% | None | 0% APR for 12 months on balance transfers initiated within 90 days of account opening. 4% balance transfer fee applies. |
Sources (3)
All captured Oct 3, 2026
Cobalt Rewards Credit Card
All loans are on approved credit basis. Rates are tiered based on credit score. Available to Westmark members (membership requires Primary Savings with $5 minimum deposit). Variable rates. Relationship cash back tiers: Horizon (1%), Summit (1.5%), Pinnacle (2%). Cash back deposited automatically to Primary Savings in July and December.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.50%–21.50% | None | Regular variable purchase APR based on credit score tier. No annual fee, no cash advance fees, 25-day grace period on purchases. |
Sources (3)
All captured Oct 3, 2026
Who can join Westmark Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligibility is open to those employed by or retired from most employers located in one of Westmark's 34 counties throughout Idaho.
- Eligibility is open to those who work for or are retired from one of Westmark's several hundred member firms, employer groups, or associations.
Family and household
- Eligibility is open to blood relatives of a current Westmark Credit Union member.
Cost to join
- Opening and maintaining membership requires opening a Primary Savings Account with a minimum deposit of $5.00 maintained at all times.
Membership information collected October 4, 2026.