Credit Cards · Georgia
31 credit unions in Georgia report credit card APRs to the NCUA. Rates range from 6.95% to 15.64%.
Updated Q1 2026 · NCUA Call Report data
31
CUs Reporting Rates
6.95%
Lowest Card APR
11.70%
State Average APR
23
Cities Covered
31 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | CREDIT UNION OF ATLANTA Atlanta | 6.95% | 11.00% |
| 2 | LANIER Oakwood | 7.90% | 10.99% |
| 3 | GEOVISTA Hinesville | 8.90% | 18.00% |
| 4 | FAITH CONNECTION Marietta | 8.90% | 10.03% |
| 5 | ALTAMAHA Jesup | 8.99% | 9.99% |
| 6 | MEMBERSFIRST Decatur | 8.99% | 18.00% |
| 7 | EXCEL Norcross | 9.00% | 14.90% |
| 8 | ON THE GRID FINANCIAL Atlanta | 9.00% | 4.50% |
| 9 | ASSOCIATED CREDIT UNION NORCROSS | 9.75% | 10.60% |
| 10 | PEACH STATE Lawrenceville | 9.90% | 10.40% |
| 11 | MARSHLAND Brunswick | 9.90% | 9.49% |
| 12 | THE SOUTHERN Fayetteville | 10.23% | 9.62% |
| 13 | CORE Statesboro | 10.42% | 12.31% |
| 14 | FAMILY FIRST HAPEVILLE | 11.01% | 15.49% |
| 15 | SAVANNAH POSTAL Savannah | 11.50% | 18.00% |
| 16 | SOUTHEASTERN Valdosta | 11.99% | 12.00% |
| 17 | MYGEORGIA Gainesville | 12.00% | 13.00% |
| 18 | GEORGIA UNITED DULUTH | 12.49% | 11.99% |
| 19 | CGR Macon | 12.61% | 14.57% |
| 20 | GEORGIA HERITAGE SAVANNAH | 12.90% | 12.95% |
| 21 | PLATINUM Duluth | 12.99% | 8.25% |
| 22 | ROBINS FINANCIAL Warner Robins | 13.83% | 12.07% |
| 23 | INTERSTATE Jesup | 13.90% | 12.76% |
| 24 | SAVANNAH SCHOOLS SAVANNAH | 14.10% | 12.46% |
| 25 | KINETIC Columbus | 14.18% | 14.48% |
| 26 | GEORGIA'S OWN Atlanta | 14.49% | 12.24% |
| 27 | CREDIT UNION OF GEORGIA Woodstock | 14.55% | 9.99% |
| 28 | MIDSOUTH COMMUNITY Macon | 15.00% | 14.00% |
| 29 | DELTA COMMUNITY Atlanta | 15.25% | 9.75% |
| 30 | LGE COMMUNITY Marietta | 15.51% | 11.51% |
| 31 | B.O.N.D. COMMUNITY Atlanta | 15.64% | 15.28% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Georgia accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Georgia offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.