Credit Cards · Garfield Hts, Ohio

Best Credit Union Credit Card Rates in Garfield Hts, Ohio

2 credit unions in Garfield Hts report credit card APRs to the NCUA. Rates range from 9.95% to 10.94%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.95%

Lowest Card APR

10.45%

City Average APR

Credit Card APRs — Garfield Hts, Ohio

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	EMERALD CREDIT UNION, INC. ★ 4.6 · 259 reviews	9.95%	11.49%
2	OC ★ 3.7 · 63 reviews	10.94%	14.50%

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

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