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Credit Cards · Hoover, Alabama

Best Credit Union Credit Card Rates in Hoover, Alabama

2 credit unions in Hoover report credit card APRs to the NCUA. Rates range from 9.70% to 9.95%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.70%

Lowest Card APR

9.83%

City Average APR

Credit Card APRs — Hoover, Alabama

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1JEFFERSON CREDIT UNION

★ 3.5 · 17 reviews

9.70%14.29%
2ALATRUST

★ 4.7 · 66 reviews

9.95%17.99%
Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Hoover could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Hoover credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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