Credit Cards · Allentown, Pennsylvania

Best Credit Union Credit Card Rates in Allentown, Pennsylvania

3 credit unions in Allentown report credit card APRs to the NCUA. Rates range from 12.40% to 12.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.40%

Lowest Card APR

12.73%

City Average APR

Credit Card APRs — Allentown, Pennsylvania

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	PEOPLE FIRST ★ 3.6 · 325 reviews	12.40%	9.99%
2	ALLENTOWN ★ 3.4 · 16 reviews	12.90%	8.99%
3	LEHIGH VALLEY EDUCATORS ★ 4.2 · 29 reviews	12.90%	11.39%

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

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