Credit Cards · Oak Ridge, Tennessee
3 credit unions in Oak Ridge report credit card APRs to the NCUA. Rates range from 13.25% to 14.99%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
13.25%
Lowest Card APR
13.91%
City Average APR
3 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | ENRICHMENT ★ 4.9 · 379 reviews | 13.25% | 11.50% |
| 2 | ORNL ★ 2.9 · 107 reviews | 13.49% | 10.99% |
| 3 | Y-12 ★ 4.8 · 3,570 reviews | 14.99% | 12.49% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Oak Ridge could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Oak Ridge 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.