Credit Cards · Tennessee
91 credit unions in Tennessee report credit card APRs to the NCUA. Rates range from 7.90% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
91
CUs Reporting Rates
7.90%
Lowest Card APR
11.57%
State Average APR
50
Cities Covered
91 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HORIZON Kingsport | 7.90% | 9.90% |
| 2 | MEMPHIS CITY EMPLOYEES MEMPHIS | 7.90% | 9.75% |
| 3 | M.P.D. COMMUNITY Nashville | 7.90% | 10.69% |
| 4 | L G & W MEMPHIS | 7.90% | 16.00% |
| 5 | TENNESSEE EMPLOYEES Nashville | 7.99% | 12.00% |
| 6 | HERITAGE SOUTH COMMUNITY CU Shelbyville | 8.46% | 12.42% |
| 7 | OUTREACH HERMITAGE | 8.90% | 10.99% |
| 8 | KINGSPORT PRESS CU KINGSPORT | 8.90% | 10.95% |
| 9 | GATEWAY CLARKSVILLE | 8.90% | 12.47% |
| 10 | FOOTHILLS LOUDON | 8.90% | 9.31% |
| 11 | KIMBERLY CLARK MEMPHIS | 8.99% | 9.99% |
| 12 | JOHNSONVILLE TVA EMPLOYEES CAMDEN | 8.99% | 10.45% |
| 13 | HEALTHCARE SERVICES CHATTANOOGA | 8.99% | 12.75% |
| 14 | VANDERBILT Nashville | 9.25% | 16.30% |
| 15 | COMTRUST CHATTANOOGA | 9.31% | 10.28% |
| 16 | COPPER BASIN Copperhill | 9.38% | 11.24% |
| 17 | OLD HICKORY Nashville | 9.49% | 11.75% |
| 18 | ASCEND TULLAHOMA | 9.50% | 12.35% |
| 19 | CITY EMPLOYEES KNOXVILLE | 9.50% | 11.00% |
| 20 | RESOURCE Jackson | 9.65% | 14.00% |
| 21 | KOIN Brentwood | 9.74% | 12.50% |
| 22 | ST. THOMAS Nashville | 9.83% | 13.40% |
| 23 | FIRST CHOICE COMMUNITY Knoxville | 9.90% | 11.05% |
| 24 | BOWATER EMPLOYEES Calhoun | 9.90% | 13.66% |
| 25 | EASTMAN Kingsport | 9.90% | 9.95% |
| 26 | SELECT SEVEN Johnson City | 9.90% | 9.99% |
| 27 | NASHVILLE FIREMEN'S NASHVILLE | 9.90% | 12.20% |
| 28 | VERITAS Smyrna | 9.90% | 11.90% |
| 29 | FEDEX EMPLOYEES CREDIT ASSOCIATION Memphis | 9.90% | 9.99% |
| 30 | DIXIE LINE NASHVILLE | 9.90% | 15.00% |
| 31 | FAMILY ADVANTAGE Spring Hill | 9.90% | 10.45% |
| 32 | MEMPHIS MUNICIPAL EMPLOYEES Memphis | 9.99% | 11.03% |
| 33 | KNOXVILLE TVA EMPLOYEES Knoxville | 9.99% | 12.94% |
| 34 | UNITED SOUTHEAST Bristol | 9.99% | 10.99% |
| 35 | CREDIT UNION FOR ROBERTSON COUNTY Springfield | 10.00% | 14.40% |
| 36 | METHODIST HEALTHCARE Cordova | 10.55% | 8.83% |
| 37 | ENLIGHTEN JACKSON | 10.90% | 7.90% |
| 38 | TNCONNECT KNOXVILLE | 10.90% | 12.90% |
| 39 | HIWASSEE RIVER CHARLESTON | 10.99% | 9.15% |
| 40 | FEDTRUST MEMPHIS | 11.00% | 9.25% |
| 41 | SOUTHEAST FINANCIAL FRANKLIN | 11.01% | 14.50% |
| 42 | ENBRIGHT Nashville | 11.14% | 12.12% |
| 43 | CLINCHFIELD Erwin | 11.26% | 11.54% |
| 44 | U. T. Knoxville | 11.49% | 11.99% |
| 45 | THE WEST TENNESSEE Atoka | 11.50% | 15.00% |
| 46 | ALCOA TENN Alcoa | 11.75% | 9.99% |
| 47 | CONSUMER Greeneville | 11.75% | 10.99% |
| 48 | APPALACHIAN COMMUNITY Kingsport | 11.80% | 10.25% |
| 49 | GALLATIN STEAM PLANT GALLATIN | 11.90% | 10.00% |
| 50 | RESOUND Nashville | 11.90% | 13.00% |
| 51 | TENNESSEE MILITARY LOUISVILLE | 11.99% | 11.95% |
| 52 | KNOXVILLE FIREFIGHTERS Knoxville | 12.00% | 11.59% |
| 53 | EPB EMPLOYEES CHATTANOOGA | 12.00% | 10.00% |
| 54 | HOLLEY PARIS | 12.00% | 8.50% |
| 55 | MEMORIAL Chattanooga | 12.00% | 14.00% |
| 56 | SOUTHERN Chattanooga | 12.00% | 9.00% |
| 57 | JACK DANIEL EMPLOYEES LYNCHBURG | 12.00% | 12.00% |
| 58 | LAKESIDE New Johnsonvill | 12.00% | 10.40% |
| 59 | SCENIC COMMUNITY Hixson | 12.00% | 10.75% |
| 60 | APPLIANCE CLEVELAND | 12.00% | 12.25% |
| 61 | F A A Memphis | 12.25% | 12.50% |
| 62 | KELLOGG MEMPHIS EMPLOYEES MEMPHIS | 12.70% | 14.00% |
| 63 | MARYVILLE MUNICIPAL MARYVILLE | 12.75% | 8.99% |
| 64 | US COMMUNITY Nashville | 12.75% | 9.95% |
| 65 | GREATER EXPERIENCE Johnson City | 12.90% | 9.99% |
| 66 | KNOX COUNTY TEACHERS Knoxville | 12.90% | 8.00% |
| 67 | UPS EMPLOYEES MEMPHIS | 12.90% | 15.00% |
| 68 | MIDDLE TENNESSEE COOKEVILLE | 12.99% | 12.99% |
| 69 | EMPLOYEE RESOURCES LAWRENCEBURG | 12.99% | 14.00% |
| 70 | NASHVILLE POST OFFICE NASHVILLE | 13.00% | 14.00% |
| 71 | ENRICHMENT OAK RIDGE | 13.25% | 11.50% |
| 72 | SOUTHERN SECURITY Collierville | 13.25% | 9.99% |
| 73 | ORNL Oak Ridge | 13.49% | 10.99% |
| 74 | PARTHENON Nashville | 13.49% | 11.24% |
| 75 | HAPPY VALLEY ELIZABETHTON | 13.50% | 10.50% |
| 76 | KEMBA DELTA Bartlett | 13.90% | 17.06% |
| 77 | CLEVELAND-BRADLEY CTY TEACHER CLEVELAND | 13.90% | 8.85% |
| 78 | NEW SOUTH CREDIT UNION Knoxville | 13.90% | 9.73% |
| 79 | KENNEDY VA EMPLOYEES Memphis | 14.00% | 14.83% |
| 80 | YOUR BEST CREDIT UNION Nashville | 14.00% | 15.16% |
| 81 | TEN NASHVILLE | 14.15% | 13.49% |
| 82 | FIRST SOUTH FINANCIAL Bartlett | 14.25% | 18.00% |
| 83 | HEALTHNET Cordova | 14.25% | 12.99% |
| 84 | CN/IC EMPLOYEES MEMPHIS | 14.90% | 13.95% |
| 85 | Y-12 Oak Ridge | 14.99% | 12.49% |
| 86 | CHATTANOOGA FEDERAL EMPLOYEES Chattanooga | 15.00% | 11.50% |
| 87 | COLLEGEDALE Collegedale | 15.95% | 9.75% |
| 88 | SECURCOMMUNITY Cordova | 16.30% | 13.35% |
| 89 | LEADERS CREDIT UNION Jackson | 17.15% | 12.59% |
| 90 | ORION Memphis | 17.99% | 14.49% |
| 91 | FORTERA Clarksville | 18.00% | 14.99% |
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 Tennessee 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 Tennessee 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.