Credit Cards · Dallas, Texas

Best Credit Union Credit Card Rates in Dallas, Texas

10 credit unions in Dallas report credit card APRs to the NCUA. Rates range from 9.50% to 15.56%.

Updated Q1 2026 · NCUA Call Report data

10

CUs Reporting Rates

9.50%

Lowest Card APR

12.24%

City Average APR

Credit Card APRs — Dallas, Texas

10 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SOUTHWEST AIRLINES

★ 3.6 · 76 reviews

9.50%11.97%
2METRO MEDICAL

★ 4.2 · 77 reviews

9.90%7.90%
3ADVANCIAL

★ 3.9 · 21 reviews

9.90%9.40%
4PRESTIGE COMMUNITY

★ 4.7 · 398 reviews

12.44%12.20%
5RESOURCE ONE

★ 3.8 · 216 reviews

12.76%12.30%
6BAYLOR HEALTH CARE SYSTEM

★ 3.3 · 39 reviews

12.90%11.49%
7LONE STAR

★ 4.1 · 40 reviews

12.95%15.00%
8CITY

★ 4.9 · 3,349 reviews

12.99%12.99%
9THE LOCAL

★ 3.9 · 50 reviews

13.50%15.00%
10NEIGHBORHOOD

★ 4.2 · 324 reviews

15.56%12.81%
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 Dallas 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 Dallas credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Browse All Credit Unions in Dallas

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