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Credit Cards · Beaumont, Texas

Best Credit Union Credit Card Rates in Beaumont, Texas

5 credit unions in Beaumont report credit card APRs to the NCUA. Rates range from 9.40% to 14.50%.

Updated Q1 2026 · NCUA Call Report data

5

CUs Reporting Rates

9.40%

Lowest Card APR

12.24%

City Average APR

Credit Card APRs — Beaumont, Texas

5 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1RAVE FINANCIAL

★ 3.9 · 46 reviews

9.40%12.00%
2BEAUMONT COMMUNITY

★ 3.6 · 20 reviews

11.94%13.26%
3DUGOOD

★ 3.6 · 43 reviews

12.15%12.00%
4EDUCATION FIRST

★ 4.8 · 311 reviews

13.23%12.79%
5COMMON CENTS

★ 4.6 · 35 reviews

14.50%12.26%
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 Beaumont 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 Beaumont credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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