Credit Cards · Indianapolis, Indiana
12 credit unions in Indianapolis report credit card APRs to the NCUA. Rates range from 8.55% to 15.51%.
Updated Q1 2026 · NCUA Call Report data
12
CUs Reporting Rates
8.55%
Lowest Card APR
12.03%
City Average APR
12 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | FAMILY HORIZONS ★ 3.6 · 57 reviews | 8.55% | 13.65% |
| 2 | FIREFIGHTERS ★ 4.3 · 12 reviews | 8.90% | 15.00% |
| 3 | FORUM ★ 3.8 · 23 reviews | 10.74% | 10.74% |
| 4 | HOOSIER UNITED ★ 4.2 · 19 reviews | 10.90% | 12.00% |
| 5 | ENERGY PLUS ★ 5.0 · 5 reviews | 11.00% | 11.80% |
| 6 | FINANCIAL HEALTH ★ 3.3 · 101 reviews | 11.50% | 17.00% |
| 7 | PROFESSIONAL POLICE OFFICERS ★ 4.2 · 10 reviews | 11.90% | 12.00% |
| 8 | INDIANA MEMBERS ★ 4.5 · 102 reviews | 13.49% | 25.00% |
| 9 | FINANCIAL CENTER FIRST ★ 3.8 · 236 reviews | 13.50% | 11.12% |
| 10 | HARVESTER FINANCIAL ★ 3.6 · 32 reviews | 14.15% | 9.50% |
| 11 | KEMBA INDIANAPOLIS ★ 4.3 · 67 reviews | 14.25% | 20.65% |
| 12 | ELEMENTS FINANCIAL ★ 4.3 · 236 reviews | 15.51% | 10.61% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Indianapolis could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Indianapolis credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.