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Credit Cards · Merrillville, Indiana

Best Credit Union Credit Card Rates in Merrillville, Indiana

2 credit unions in Merrillville report credit card APRs to the NCUA. Rates range from 13.50% to 14.45%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

13.50%

Lowest Card APR

13.98%

City Average APR

Credit Card APRs — Merrillville, Indiana

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1PROFINANCE

★ 4.1 · 13 reviews

13.50%10.75%
2MEMBERS SOURCE

★ 4.8 · 147 reviews

14.45%10.44%
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 Merrillville 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 Merrillville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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