Rocky Mountain credit union credit cards offer some of the best interest rates and lowest fees, compared to the nation’s largest issuers. However, some credit unions in this region offer credit cards as agents of big banks, such as U.S. Bank.
One notable benefits cited by Mountain America Credit Union is “same-day card issuance or replacement at any branch.” Also, popular in the Rocky Mountain regions is a “rate lock” on balance transfers, a big selling point if general interest rates head higher.
The six states in the Rocky Mountains credit card market include Colorado, Nevada, Utah, Montana, Idaho, and Wyoming with a total population of 15 million.
Credit unions remain wildly popular in the Rocky Mountains with some having nearly one million members. While some credit union credit cards in this market section are issued by larger banks, current interest rates are fiercely competitive, many in single digits, without any fees whatsoever, notes Robert McKinley, Senior Analyst for CardTrak, CardFlash and CardData.
Ent Credit Union, based in Colorado Springs with more than 330,000 members, offers four personal credit cards and four business credit cards. The most popular personal credit card is Cash Rewards American Express Card.
The Ent Credit Union Cash Rewards American Express Card card offers 3% cash back on the first $6,000 in purchases made each year at gas stations; 2% cash back on supermarket purchases; 1% cash back on all other purchases; and $25 cash back after first purchase.
The card offers an Introductory 0.00% APR for the first 6 billing cycles on purchases and balance transfers.. There is no annual fee and purchase interest rate is variable and currently ranges from 13.99% to 17.99%.
ENT Credit Union also offers:
Ent Credit Union, with nearly $6 billion in assets, is ranked #1 in Forbes’ “Best-In-State Credit Unions” 2018 survey. Credit cards are issued through Elan Financial Services. Elan Financial Services is a subsidiary of U.S. Bank.
Las Vegas-based One Nevada Credit Union, with more than 78,000 members, offers three personal credit cards. The most popular personal credit card is Visa Signature Rewards Credit Card.
The One Nevada Credit Union Visa Signature Rewards Credit Card
offers the CURewards points program and a design-your-own-card option. The card also offers credit lines starting at $5,000. The no annual fee card carries a variable, risk-based, interest rate ranging from 10.50% to 19.50% on purchases and cash advances.
One Nevada Credit Union also offers:
One Nevada Credit Union with nearly $920 million in assets, is one of the largest locally owned, federally insured credit unions in the state. Credit cards are issued through Tampa-based PSCU.
Mountain America Credit Union, based in Sandy, Utah, offers four personal credit cards and three business credit cards. The most popular personal credit card is Visa Platinum Credit Card.
The Mountain America Credit Union Visa Platinum Credit Card offers same-day card issuance or replacement at any branch and no balance transfer fees. There is a 0% introductory purchase rate until May 31, 2020 for new cardholders. Interest rates are variable and risk-based and currently range from 10.24% to 18.00%.
Mountain America Credit Union also offers:
Mountain America Credit Union has more than 840,000 members and about $9 billion in assets.
Montana’s Whitefish Credit Union, based in Whitefish, offers one personal credit card and one business credit card. The personal credit card is the Mastercard Credit Card.
The Whitefish Credit Union Mastercard Credit Card offers no balance transfer fee and a rate lock as low as 7.9% for the life of the balance transfer. There are also no cash advance fees and no annual fee. The interest rates are fixed, risk-based, and range from 7.9% to 15.90%. The interest rate applies to purchases, balance transfers, and cash advances,
Whitefish Credit Union also offers a Business Mastercard to companies to Northwest Montana.
Whitefish Credit Union is the largest credit union in Montana with nearly $1.5 billion in assets and 55,000 members.
Idaho Central Credit Union, based in Chubbuck with 360,000 members, offers four personal credit cards and three business credit cards. The most popular credit card is the Premier Rewards Visa.
The Idaho Central Credit Union Premier Rewards Visa offers 2 points per $1 spent on purchases, 2x seasonal bonus point categories, and extra points at participating merchants. Besides no annual fee, the card does not charge balance transfer fees or cash advance fees. There is a 0% interest rate on purchases for the first six months. The on-going interest rates are variable, risk-based on currently range from 12.99% to 17.99%.
Idaho Central Credit Union also offers:
Idaho Central Credit Union has over $4 billion in assets and serves all Idaho counties. Credit cards are issued and/or serviced through CUNA Mutual Group.
Wyoming’s Blue Federal Credit Union, based in Cheyenne with about 80,000 members, offers three personal credit cards and one business credit card. The most popular credit card is the Personal Rewards Mastercard.
The Blue Federal Credit Union Personal Rewards Mastercard offers
offers a baseline 1 point for every $1 spent on all purchases, plus special bonus earnings of 2 points for every $1 spent throughout the year among four categories: gas and groceries; home improvement stores; outdoor recreation; and holiday spending at specific stores.
Variable, risk-based, interest rates start as low as 12.50% and apply to purchases, balance transfers and cash advances. There is no annual fee.
Blue Federal Credit Union also offers:
Blue Federal Credit Union operates in Colorado and Wyoming and has about $1 billion in assets.