Your Best Cards

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Rankings · Bank and credit union cards

Credit Cards From Banks and Credit Unions

Our database has 184 live cards from community banks and credit unions, from secured and low-rate cards to cash back and rewards cards. Here are the top 184, ranked by overall score, with the fee, rewards and ongoing APR each institution lists.

No-fee cardsStudent cards

Ranked by math · Compensation never changes the order · Methodology

Cards compared
184
Live cards in our database
#1 score
81
Visa® Max Cash Secured Card
$0 annual fee
160
of the 184 cards
Sponsored rankings
0
Compensation never changes the order

Before you compare

Community banks and credit unions often price credit cards below the national issuers, with lower ongoing APRs and secured or starter cards that report to the credit bureaus. The trade-offs are membership rules at credit unions, smaller rewards programs and, at some institutions, application only through a branch or online banking. Check eligibility on the institution’s page before you apply. The score below compares every card on one scale, so a low-rate credit union card and a rewards card from a national bank can be read side by side.

Live Bank and Credit Union Card Rankings

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Ranked by each card’s overall score, the same score our other rankings use. Every card is listed once per institution, so the same program card at two banks appears twice. Card data checked November 8, 2026 · 184 cards compared.

Search for a bank or credit union name, or for secured, student or cash back. Open View details for the full terms, rates and membership notes.
Loaded 25 cards
Visa® Max Cash Secured Card

Visa® Max Cash Secured Card

Top Bank / CU Card
Twin River Bank
Overall score81
Annual fee$0
Ongoing APR
28.74%
  • 5% cash back In two categories of your choice – first $2,000 in combined purchases each quarter
  • 2% unlimited cash back On your choice of one everyday category
  • 1% unlimited cash back On all other eligible purchases
Visa® Max Cash Secured Card

Visa® Max Cash Secured Card

Idaho Trust Bank
Overall score81
Annual fee$0
Ongoing APR
28.74%
  • 5% cash back In two categories of your choice – first $2,000 in combined purchases each quarter
  • 2% unlimited cash back On your choice of one everyday category
  • 1% unlimited cash back On all other eligible purchases
MAX CASH SECURED CARD

MAX CASH SECURED CARD

Numark Credit Union
Overall score81
Annual fee$0
Ongoing APR
28.74%
  • 5% cash back in two categories of your choice (first $2,000 combined each quarter)
  • 2% unlimited on one everyday category
  • 1% on all other eligible purchases
Visa® Max Cash Secured Card

Visa® Max Cash Secured Card

First United Bank
Overall score81
Annual fee$0
Ongoing APR
28.74%
  • 5% cash back In two categories of your choice – first $2,000 in combined purchases each quarter
  • 2% unlimited cash back On your choice of one everyday category
  • 1% unlimited cash back On all other eligible purchases
Visa® Max Cash Secured Card

Visa® Max Cash Secured Card

American Bank
Overall score81
Annual fee$0
Ongoing APR
28.74%
  • 5% cash back In two categories of your choice – first $2,000 in combined purchases each quarter
  • 2% unlimited cash back On your choice of one everyday category
  • 1% unlimited cash back On all other eligible purchases
SECURED CARD

SECURED CARD

Numark Credit Union
Overall score80
Annual fee$0
Ongoing APR
Secured: 27.74%
See issuer terms for current rewards and fees.

Savings Secured Credit Card

The Peoples Credit Union
Overall score80
Annual fee$0
Ongoing APR
7.00%
See issuer terms for current rewards and fees.
Secured Visa® Card

Secured Visa® Card

First United Bank
Overall score80
Annual fee$0
Ongoing APR
Secured: 27.74%
See issuer terms for current rewards and fees.
MySecured Visa

MySecured Visa

Cpm Credit Union
Overall score80
Annual fee$0
Ongoing APR
Limits as low as $400.00* with a Fixed rate of 16.00%
See issuer terms for current rewards and fees.

Mastercard® Secured

Telcoe Credit Union
Overall score80
Annual fee$0
Ongoing APR
17.99% APR (variable)
See issuer terms for current rewards and fees.

Secured Card (Secured Mastercard)

Sunwest Credit Union
Overall score80
Annual fee$0
Ongoing APR
7.90% APR (fixed)
See issuer terms for current rewards and fees.

Secured Credit Card (Savings Secured Visa)

Apl Credit Union
Overall score80
Annual fee$0
Ongoing APR
Visa Classic Secured 10.74% (Prime + 3.74%); Visa Rewards Secured 13.74% (Prime + 6.74%); max 18.00%
See issuer terms for current rewards and fees.

Secured Credit

True Community Credit UnionVisa
Overall score80
Annual fee$0
Ongoing APR
Visa Secured: non-variable rate, as low as 16.49%
See issuer terms for current rewards and fees.

Visa Advantage Secured

Houston Credit Union
Overall score80
Annual fee$0
Ongoing APR
8.99% (variable, as low as; rates effective through November 30, 2026)
See issuer terms for current rewards and fees.

Visa Platinum Secured

Midsouth Community Credit Union
Overall score80
Annual fee$0
Ongoing APR
Competitive variable rate (Prime-based); never greater than 18.00%
See issuer terms for current rewards and fees.

Share Secured Visa

Hapo Community Credit Union
Overall score80
Annual fee$0
Ongoing APR
22.99% (variable)
See issuer terms for current rewards and fees.
Secured Visa® Card

Secured Visa® Card

American Bank
Overall score80
Annual fee$0
Ongoing APR
Secured: 27.74%
See issuer terms for current rewards and fees.

Share Secured Visa® Credit Card

True Sky Credit Union
Overall score80
Annual fee$0
Ongoing APR
6.99% APR*
See issuer terms for current rewards and fees.

Secured Credit Card

Oklahoma'S Credit Union
Overall score80
Annual fee$0
Ongoing APR
10.99%
See issuer terms for current rewards and fees.

Secured Visa® Platinum Card

First Financial Bank
Overall score80
Annual fee$0
See issuer terms for current rewards and fees.

Share – Secured VISA

Legacy Community Credit Union
Overall score80
Annual fee$0
Ongoing APR
Fixed 12.90% APR
See issuer terms for current rewards and fees.
Secured Visa® Card

Secured Visa® Card

Idaho Trust Bank
Overall score80
Annual fee$0
Ongoing APR
Secured: 27.74%
See issuer terms for current rewards and fees.
Secured Visa® Card

Secured Visa® Card

Twin River Bank
Overall score80
Annual fee$0
Ongoing APR
Secured: 27.74%
See issuer terms for current rewards and fees.

Secured Card

Liberty Bay Credit UnionVisa
Overall score80
Annual fee$0
Ongoing APR
Secured: 27.74% This APR will vary with the market and is based on the Prime Rate.
See issuer terms for current rewards and fees.

Campus Prestige Secured

Campus Credit UnionMastercard
Overall score80
Annual fee$0
Ongoing APR
13.50% for Purchases and Balance Transfers (APR As Low As; WSJP + 6.50%)
See issuer terms for current rewards and fees.
Credit union membership

Most credit unions ask you to join before you can apply for a card. Many let you qualify through where you live, work or worship, or through a small donation to a partner group. Each card’s notes list the membership area.

Credit unions anyone can join
Secured and starter cards

Many community institutions offer a secured card backed by a deposit in a savings account, or a low-limit starter card, for people building credit. Check that the issuer reports to all three credit bureaus.

Best secured cards
Before you apply
  • Low APRs: community issuers often price below the national banks
  • Smaller rewards: programs are simpler and the welcome offers smaller
  • How to apply: some require online banking or a branch visit
  • Annual fees: $0 to $99 across the 184 cards here
All card issuers

How this page is built

Every live consumer card from the community banks and credit unions we track beyond the large national issuers, as printed on each institution’s own site, that has an overall score. Business and store cards are left out. Sorted by each card’s overall score, the same score our other rankings use. Partner (affiliate) links never change which cards appear or their order; an Apply button may become a labelled partner link, but the ranking is the same either way.

Card details come from our database, which is verified against each issuer’s website; see our methodology, editorial policy and corrections policy.

Bank and Credit Union Card FAQ

Which bank and credit union card ranks highest right now?

Visa® Max Cash Secured Card (Twin River Bank) has the highest overall score among the 184 bank and credit union cards we compared, followed by Visa® Max Cash Secured Card and MAX CASH SECURED CARD.

Do bank and credit union cards charge an annual fee?

160 of the 184 scored cards here have a $0 annual fee.

How many institutions are on this page?

The 184 cards come from 94 community banks and credit unions. Credit unions usually require membership; check eligibility on the institution’s page before you apply.

Are credit union credit cards better than bank cards?

Often their ongoing APRs are lower, and some charge no fees. National banks usually offer bigger rewards and welcome offers. Compare the score, the APR and the rewards for your own spending; credit unions also require membership.

Do these cards report to the credit bureaus?

Most do, but not all. The issuer’s own page says which bureaus it reports to. Confirm that before you open a secured or starter card to build credit.

How often is this list updated?

The site rebuilds whenever card data changes in our database and at least once a month. This page was built from data checked November 8, 2026. Always confirm current terms on the issuer’s site.

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Best no-annual-fee cards →Best student credit cards →All card issuers →Credit-builder cards and loans (Your Best Credit Builder) →How we score cards →