Credit Cards · Louisville, Kentucky

Best Credit Union Credit Card Rates in Louisville, Kentucky

9 credit unions in Louisville report credit card APRs to the NCUA. Rates range from 8.90% to 14.24%.

Updated Q1 2026 · NCUA Call Report data

9

CUs Reporting Rates

8.90%

Lowest Card APR

11.62%

City Average APR

Credit Card APRs — Louisville, Kentucky

9 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1TRANSCEND

★ 4.8 · 593 reviews

8.90%13.90%
2AUTOTRUCK FINANCIAL

★ 3.3 · 94 reviews

10.75%9.99%
3BEACON COMMUNITY

★ 3.0 · 84 reviews

10.80%9.47%
4K I T

★ 4.6 · 45 reviews

10.90%17.30%
5ADVANZ

★ 4.6 · 199 reviews

11.65%12.35%
6LOUISVILLE GAS AND ELECTRIC COMPANY

★ 1.7 · 313 reviews

11.90%12.47%
7L & N

★ 3.9 · 44 reviews

12.69%12.86%
8CLASS ACT

★ 4.0 · 75 reviews

12.75%16.75%
9PARK

★ 4.6 · 258 reviews

14.24%18.00%
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 Louisville 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 Louisville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Browse All Credit Unions in Louisville

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