Credit Cards · Oklahoma
33 credit unions in Oklahoma report credit card APRs to the NCUA. Rates range from 7.00% to 27.33%.
Updated Q1 2026 · NCUA Call Report data
33
CUs Reporting Rates
7.00%
Lowest Card APR
12.60%
State Average APR
16
Cities Covered
33 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | OKLAHOMA OKLAHOMA CITY | 7.00% | 10.24% |
| 2 | MUSKOGEE Muskogee | 7.90% | 11.20% |
| 3 | CREDIT UNION ONE OF OKLAHOMA Oklahoma City | 7.99% | 9.99% |
| 4 | FIRST FAMILY Henryetta | 9.90% | 10.95% |
| 5 | OKLAHOMA EDUCATORS OKLAHOMA CITY | 9.90% | 18.00% |
| 6 | SAINT FRANCIS EMPLOYEES Tulsa | 9.99% | 9.99% |
| 7 | GREEN COUNTRY Sand Springs | 9.99% | 12.11% |
| 8 | WESTERN SUN Broken Arrow | 10.00% | 12.84% |
| 9 | FORT SILL Lawton | 10.03% | 12.33% |
| 10 | TRUE SKY Oklahoma City | 10.74% | 12.97% |
| 11 | SOUTHWEST OKLAHOMA Lawton | 10.90% | 9.50% |
| 12 | ENCENTUS Tulsa | 10.90% | 9.91% |
| 13 | MUNICIPAL EMPS CU OF OKLAHOMA CITY OKLAHOMA CITY | 10.99% | 12.15% |
| 14 | DFCU TULSA TULSA | 11.99% | 16.08% |
| 15 | BISON Shawnee | 11.99% | 12.99% |
| 16 | OK MEMBERS FIRST TULSA | 12.16% | 8.93% |
| 17 | RED RIVER Altus | 12.25% | 17.90% |
| 18 | THE FOCUS Oklahoma City | 12.41% | 9.98% |
| 19 | TRUITY Bartlesville | 12.49% | 11.75% |
| 20 | RED CROWN Tulsa | 12.50% | 9.99% |
| 21 | U. S. EMPLOYEES O. C. OKLAHOMA CITY | 12.75% | 11.24% |
| 22 | FIRST OKLAHOMA Glenpool | 12.75% | 12.00% |
| 23 | ENDURANCE Duncan | 12.95% | 14.00% |
| 24 | COMMUNICATION OKLAHOMA CITY | 12.99% | 11.63% |
| 25 | TTCU Tulsa | 13.40% | 11.24% |
| 26 | TINKER Oklahoma City | 13.50% | 12.71% |
| 27 | FRATERNAL ORDER OF POLICE Tulsa | 13.56% | 9.66% |
| 28 | COMANCHE COUNTY Lawton | 13.90% | 13.85% |
| 29 | OKLAHOMA'S OKLAHOMA CITY | 14.22% | 12.96% |
| 30 | CHEROKEE STRIP Ponca City | 14.99% | 12.87% |
| 31 | OU NORMAN | 17.99% | 10.74% |
| 32 | INTEGRIS Oklahoma City | 23.50% | 15.16% |
| 33 | WESTREET Tulsa | 27.33% | 18.00% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Oklahoma accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Oklahoma offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.