Credit Cards · Missouri
48 credit unions in Missouri report credit card APRs to the NCUA. Rates range from 8.00% to 18.40%.
Updated Q1 2026 · NCUA Call Report data
48
CUs Reporting Rates
8.00%
Lowest Card APR
12.17%
State Average APR
31
Cities Covered
48 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MISSOURI ELECTRIC COOPERATIVES EMPL Jefferson City | 8.00% | 8.75% |
| 2 | COUNTY Clayton | 8.90% | 11.23% |
| 3 | CONSERVATION EMPLOYEES Jefferson City | 8.91% | 9.47% |
| 4 | PUBLIC SAFETY Kansas City | 8.99% | 12.14% |
| 5 | CENTURY SAINT LOUIS | 9.00% | 10.26% |
| 6 | DIVISION #6 HIGHWAY Chesterfield | 9.00% | 10.70% |
| 7 | R G RAYMORE | 9.22% | 10.67% |
| 8 | EDUCATIONAL COMMUNITY Springfield | 9.40% | 11.25% |
| 9 | HEALTH CARE FAMILY Saint Louis | 9.43% | 9.66% |
| 10 | UNITED Mexico | 9.50% | 9.50% |
| 11 | ALLIANCE Fenton | 9.90% | 6.35% |
| 12 | VOLT Springfield | 9.90% | 11.74% |
| 13 | FIRST COMMUNITY Chesterfield | 9.90% | 10.45% |
| 14 | TELCOMM Springfield | 10.22% | 11.61% |
| 15 | CENTRAL MISSOURI COMMUNITY WARRENSBURG | 10.25% | 15.25% |
| 16 | TOGETHER Saint Louis | 10.40% | 11.49% |
| 17 | INFUZE Fort Leonard Wo | 10.84% | 11.24% |
| 18 | BLUCURRENT SPRINGFIELD | 11.10% | 12.69% |
| 19 | ST. LOUIS COMMUNITY Saint Louis | 11.75% | 15.27% |
| 20 | POSTAL & COMMUNITY Saint Joseph | 11.75% | 11.25% |
| 21 | COLUMBIA Columbia | 11.99% | 12.40% |
| 22 | JOPLIN METRO JOPLIN | 11.99% | 10.64% |
| 23 | LUTHERAN Saint Louis | 11.99% | 9.65% |
| 24 | CSD KANSAS CITY | 12.49% | 12.00% |
| 25 | ACADEMIC EMPLOYEES Columbia | 12.90% | 11.17% |
| 26 | WEST COMMUNITY O Fallon | 12.93% | 11.45% |
| 27 | SHOW-ME Mexico | 13.00% | 15.75% |
| 28 | KANSAS CITY KANSAS CITY | 13.31% | 17.75% |
| 29 | NEIGHBORS Saint Louis | 13.45% | 12.99% |
| 30 | VANTAGE Saint Charles | 13.49% | 14.66% |
| 31 | UNITED CONSUMERS INDEPENDENCE | 13.49% | 14.25% |
| 32 | SUMMIT RIDGE LEES SUMMIT | 13.50% | 10.50% |
| 33 | MULTI-STATES SPRINGFIELD | 13.50% | 10.00% |
| 34 | UNITED LABOR Raytown | 13.70% | 14.40% |
| 35 | FIRST MISSOURI Saint Louis | 13.90% | 12.36% |
| 36 | HORIZON Macon | 13.90% | 12.27% |
| 37 | RAYTOWN-LEE'S SUMMIT COMMUNITY RAYTOWN | 13.90% | 12.50% |
| 38 | METRO Springfield | 13.90% | 13.49% |
| 39 | ST. JOSEPH TEACHERS' SAINT JOSEPH | 13.90% | 14.01% |
| 40 | ARSENAL Arnold | 13.90% | 12.49% |
| 41 | CIVIC CENTRAL Jefferson City | 13.90% | 10.00% |
| 42 | MISSOURI CENTRAL Lees Summit | 13.99% | 15.65% |
| 43 | NORTHWEST MISSOURI REGIONAL MARYVILLE | 13.99% | 13.60% |
| 44 | HIGHWAY ALLIANCE Jefferson city | 14.10% | 13.72% |
| 45 | MULTIPLI Jefferson City | 14.25% | 13.75% |
| 46 | ALLTRU WENTZVILLE | 15.82% | 7.15% |
| 47 | GOETZ ST JOSEPH | 17.99% | 12.75% |
| 48 | HOLY ROSARY KANSAS CITY | 18.40% | 16.73% |
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 Missouri 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 Missouri 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.