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Credit Cards · Richmond, Indiana

Best Credit Union Credit Card Rates in Richmond, Indiana

3 credit unions in Richmond report credit card APRs to the NCUA. Rates range from 9.00% to 15.33%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

9.00%

Lowest Card APR

12.18%

City Average APR

Credit Card APRs — Richmond, Indiana

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1WAYNE COUNTY

★ 4.6 · 10 reviews

9.00%8.00%
2HEALTH CARE PROFESSIONALS

★ 4.6 · 75 reviews

12.22%13.27%
3NATCO

★ 4.7 · 131 reviews

15.33%13.56%
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 Richmond 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 Richmond credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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