Credit Cards · Bay City, Texas

Best Credit Union Credit Card Rates in Bay City, Texas

2 credit unions in Bay City report credit card APRs to the NCUA. Rates range from 8.50% to 9.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.50%

Lowest Card APR

9.20%

City Average APR

Credit Card APRs — Bay City, Texas

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MATAGORDA COUNTY ★ 4.4 · 8 reviews	8.50%	6.75%
2	BAYCEL ★ 4.6 · 21 reviews	9.90%	9.95%

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

Also Compare in Bay City

Best Car Loan Rates →Best Personal Loan Rates →All of Texas →

Browse All Credit Unions in Bay City

See member reviews, branch locations, and full rate details.

Credit Unions in Bay City →All of Texas →