Credit Cards · Mississippi
23 credit unions in Mississippi report credit card APRs to the NCUA. Rates range from 6.50% to 26.21%.
Updated Q1 2026 · NCUA Call Report data
23
CUs Reporting Rates
6.50%
Lowest Card APR
11.72%
State Average APR
14
Cities Covered
23 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | TRIANGLE Columbus | 6.50% | 10.61% |
| 2 | MISSISSIPPI HIGHWAY SAFTY PAT Jackson | 7.90% | 16.87% |
| 3 | MISSISSIPPI NATIONAL GUARD JACKSON | 8.50% | 10.50% |
| 4 | JACKSON AREA Jackson | 8.90% | 16.00% |
| 5 | HOPE JACKSON | 9.00% | 10.00% |
| 6 | BRIGHTVIEW RIDGELAND | 9.90% | 12.99% |
| 7 | MISSISSIPPI DHS JACKSON | 9.99% | 13.50% |
| 8 | EAGLE EXPRESS JACKSON | 10.00% | 14.41% |
| 9 | MERIDIAN MUTUAL Meridian | 10.00% | 14.98% |
| 10 | MUTUAL Vicksburg | 10.75% | 9.99% |
| 11 | SINGING RIVER MOSS POINT | 10.99% | 17.49% |
| 12 | SUNBELT Hattiesburg | 11.07% | 15.03% |
| 13 | ECM RIDGELAND | 11.90% | 12.00% |
| 14 | FIRST NESHOBA Philadelphia | 11.90% | 8.50% |
| 15 | FERGUSON Monticello | 11.99% | 17.49% |
| 16 | NAVIGATOR Pascagoula | 11.99% | 11.99% |
| 17 | STATEWIDE Flowood | 12.40% | 12.61% |
| 18 | HEALTHPLUS JACKSON | 13.50% | 15.00% |
| 19 | MEMBERS EXCHANGE Jackson | 13.75% | 13.75% |
| 20 | MISSISSIPPI PUBLIC EMPLOYEES Jackson | 13.92% | 6.50% |
| 21 | MAGNOLIA Jackson | 14.00% | 18.00% |
| 22 | KEESLER BILOXI | 14.54% | 11.08% |
| 23 | CENTURYFIRST HATTIESBURG | 26.21% | 14.98% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Mississippi accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Mississippi offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.