Credit Cards · Columbus, Indiana

Best Credit Union Credit Card Rates in Columbus, Indiana

3 credit unions in Columbus report credit card APRs to the NCUA. Rates range from 9.90% to 13.75%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

12.05%

City Average APR

Credit Card APRs — Columbus, Indiana

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	BAR-CONS ★ 4.9 · 170 reviews	9.90%	11.31%
2	CENTRA ★ 3.6 · 79 reviews	12.49%	18.00%
3	BUSINESS AND INDUSTRIAL ★ 4.1 · 18 reviews	13.75%	14.20%

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

Also Compare in Columbus

Best Car Loan Rates →Best Personal Loan Rates →All of Indiana →

Browse All Credit Unions in Columbus

See member reviews, branch locations, and full rate details.

Credit Unions in Columbus →All of Indiana →