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Credit Cards · Owensboro, Kentucky

Best Credit Union Credit Card Rates in Owensboro, Kentucky

3 credit unions in Owensboro report credit card APRs to the NCUA. Rates range from 9.00% to 14.88%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

9.00%

Lowest Card APR

11.59%

City Average APR

Credit Card APRs — Owensboro, Kentucky

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1DAVIESS COUNTY TEACHERS

★ 4.8 · 23 reviews

9.00%10.00%
2AUDUBON

★ 4.5 · 17 reviews

10.90%9.20%
3OWENSBORO

★ 3.8 · 16 reviews

14.88%10.00%
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 Owensboro 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 Owensboro credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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