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Credit Cards · Raytown, Missouri

Best Credit Union Credit Card Rates in Raytown, Missouri

2 credit unions in Raytown report credit card APRs to the NCUA. Rates range from 13.70% to 13.90%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

13.70%

Lowest Card APR

13.80%

City Average APR

Credit Card APRs — Raytown, Missouri

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1UNITED LABOR

★ 3.8 · 27 reviews

13.70%14.40%
2RAYTOWN-LEE'S SUMMIT COMMUNITY

★ 3.4 · 52 reviews

13.90%12.50%
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 Raytown 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 Raytown credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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