Credit Cards · Jefferson City, Missouri
5 credit unions in Jefferson City report credit card APRs to the NCUA. Rates range from 8.00% to 14.25%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
8.00%
Lowest Card APR
11.83%
City Average APR
5 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MISSOURI ELECTRIC COOPERATIVES EMPL ★ 5.0 · 7 reviews | 8.00% | 8.75% |
| 2 | CONSERVATION EMPLOYEES ★ 4.1 · 8 reviews | 8.91% | 9.47% |
| 3 | CIVIC CENTRAL ★ 5.0 · 7 reviews | 13.90% | 10.00% |
| 4 | HIGHWAY ALLIANCE ★ 5.0 · 4 reviews | 14.10% | 13.72% |
| 5 | MULTIPLI ★ 4.6 · 85 reviews | 14.25% | 13.75% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Jefferson City could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Jefferson City credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.