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Credit Cards · Painesville, Ohio

Best Credit Union Credit Card Rates in Painesville, Ohio

4 credit unions in Painesville report credit card APRs to the NCUA. Rates range from 9.99% to 12.60%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

9.99%

Lowest Card APR

11.33%

City Average APR

Credit Card APRs — Painesville, Ohio

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1PAINESVILLE CREDIT UNION

★ 4.7 · 36 reviews

9.99%12.99%
2L C E

★ 4.5 · 24 reviews

10.75%10.99%
3L. E. O.11.99%10.37%
4THEORY

★ 4.5 · 24 reviews

12.60%9.99%
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 Painesville 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 Painesville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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