Credit union · NCUA insured
ZIA CU Credit Card Rates
ZIA CU credit card rates start at 12.24% APR. Rates checked October 22, 2026.
How ZIA CU’s credit card rates compare
Compared with banks and credit unions near Santa Fe, NM, where ZIA CU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
ZIA CU
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
State Employees Credit Union
7.50%APR
- Annual fee
- None
2nd-lowest rate
Guadalupe Credit Union
8.49%APR
- Annual fee
- $5
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.
Secured Visa
Card limit: minimum $500, maximum $25,000. Membership eligibility required. All loans subject to credit approval. APR will vary with the market based on the Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99% | None | Applies to purchases. Subject to credit approval. |
Visa Low Rate Card
Card limit: minimum $500, maximum $25,000. Membership eligibility required. All loans subject to credit approval. APR will vary with the market based on the Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for 12 months on purchases. |
| Ongoing | 12.24%–18.00% | None | Regular ongoing variable APR after 12-month introductory period for purchases. Rate varies with the market based on the Prime Rate. |
Visa Signature
Card limit: minimum $5,000, maximum $25,000. Membership eligibility required. All loans subject to credit approval. APR will vary with the market based on the Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for 12 months on purchases. |
| Ongoing | 15.24%–18.00% | None | Regular ongoing variable APR after 12-month introductory period for purchases. Rate varies with the market based on the Prime Rate. |
Who can join ZIA CU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone who makes a one-time donation of at least $10.00 to the Zia Credit Union Education Foundation is eligible for membership.
Where you live or work
- Individuals who live, work, or worship in Bernalillo, Doña Ana, Los Alamos, Mora, Rio Arriba, San Miguel, Sandoval, Santa Fe, Sierra, Socorro, Taos, Torrance, or Valencia counties are eligible for membership.
- Individuals who live, work, or worship in a primarily rural and/or underserved area of New Mexico are eligible for membership.
Family and household
- Individuals related to a current ZIA CU member are eligible for membership.
Other ways
- Former members of ZIA CU are eligible to rejoin.
Cost to join
- Membership requires opening a Share Savings Account with a minimum balance of $25.
Membership information collected October 4, 2026.