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Credit Cards · Zachary, Louisiana

Best Credit Union Credit Card Rates in Zachary, Louisiana

2 credit unions in Zachary report credit card APRs to the NCUA. Rates range from 8.83% to 11.76%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

8.83%

Lowest Card APR

10.30%

City Average APR

Credit Card APRs — Zachary, Louisiana

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1GP LOUISIANA8.83%13.04%
2FELICIANA

★ 4.3 · 8 reviews

11.76%11.33%
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 Zachary 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 Zachary credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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