Credit Cards · Dayton, Ohio

Best Credit Union Credit Card Rates in Dayton, Ohio

5 credit unions in Dayton report credit card APRs to the NCUA. Rates range from 7.99% to 14.04%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

7.99%

Lowest Card APR

10.92%

City Average APR

Credit Card APRs — Dayton, Ohio

5 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	FIREFIGHTERS & COMPANY ★ 4.7 · 72 reviews	7.99%	6.50%
2	KH CREDIT UNION, INC. ★ 3.9 · 18 reviews	8.83%	12.11%
3	UNIVERSAL 1 ★ 3.8 · 64 reviews	10.99%	11.79%
4	CODE ★ 4.0 · 82 reviews	12.73%	10.99%
5	DAY-MET ★ 4.4 · 358 reviews	14.04%	6.00%

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

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