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Credit Cards · Montgomery, Alabama

Best Credit Union Credit Card Rates in Montgomery, Alabama

2 credit unions in Montgomery report credit card APRs to the NCUA. Rates range from 11.92% to 15.27%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

11.92%

Lowest Card APR

13.60%

City Average APR

Credit Card APRs — Montgomery, Alabama

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1ALABAMA STATE EMPLOYEES

★ 4.3 · 125 reviews

11.92%12.09%
2MAX

★ 3.0 · 72 reviews

15.27%13.59%
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 Montgomery 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 Montgomery credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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