Credit Cards · Topeka, Kansas

Best Credit Union Credit Card Rates in Topeka, Kansas

3 credit unions in Topeka report credit card APRs to the NCUA. Rates range from 10.25% to 11.95%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.25%

Lowest Card APR

10.82%

City Average APR

Credit Card APRs — Topeka, Kansas

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	EMPOWER BLUE ★ 4.9 · 7 reviews	10.25%	9.75%
2	AZURA ★ 3.4 · 58 reviews	10.25%	14.99%
3	ENVISTA ★ 4.6 · 158 reviews	11.95%	16.95%

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

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