Credit Cards · Toledo, Ohio
9 credit unions in Toledo report credit card APRs to the NCUA. Rates range from 6.62% to 14.99%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
6.62%
Lowest Card APR
11.18%
City Average APR
9 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | TOLEDO FIRE FIGHTERS ★ 4.6 · 8 reviews | 6.62% | 10.82% |
| 2 | TOLEDO METRO ★ 3.5 · 36 reviews | 9.59% | 10.97% |
| 3 | TOLEDO URBAN ★ 3.9 · 69 reviews | 9.99% | 12.99% |
| 4 | DIRECTIONS ★ 4.9 · 48 reviews | 9.99% | 11.80% |
| 5 | UNIVERSITY OF TOLEDO ★ 3.1 · 22 reviews | 10.00% | 9.99% |
| 6 | TOLEDO POLICE ★ 4.3 · 6 reviews | 12.00% | 12.20% |
| 7 | PARISH ★ 4.6 · 12 reviews | 13.50% | 15.00% |
| 8 | PROMEDICA ★ 4.1 · 14 reviews | 13.97% | 8.98% |
| 9 | CHAMPION ★ 2.9 · 13 reviews | 14.99% | 13.84% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Toledo could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Toledo credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.