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Credit Cards · Kingsport, Tennessee

Best Credit Union Credit Card Rates in Kingsport, Tennessee

4 credit unions in Kingsport report credit card APRs to the NCUA. Rates range from 7.90% to 11.80%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

7.90%

Lowest Card APR

9.63%

City Average APR

Credit Card APRs — Kingsport, Tennessee

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1HORIZON

★ 4.1 · 21 reviews

7.90%9.90%
2KINGSPORT PRESS CU

★ 4.5 · 20 reviews

8.90%10.95%
3EASTMAN

★ 3.6 · 66 reviews

9.90%9.95%
4APPALACHIAN COMMUNITY

★ 3.0 · 35 reviews

11.80%10.25%
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 Kingsport 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 Kingsport credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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