Credit Cards · Hobbs, New Mexico

Best Credit Union Credit Card Rates in Hobbs, New Mexico

1 credit union in Hobbs report credit card APRs to the NCUA. Lowest rate: 12.25%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.25%

Lowest Card APR

12.25%

City Average APR

Credit Card APRs — Hobbs, New Mexico

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	ESTACADO ★ 4.1 · 60 reviews	12.25%	16.49%

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

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