Credit Cards · Deer Park, Texas

Best Credit Union Credit Card Rates in Deer Park, Texas

3 credit unions in Deer Park report credit card APRs to the NCUA. Rates range from 8.74% to 17.50%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.74%

Lowest Card APR

12.38%

City Average APR

Credit Card APRs — Deer Park, Texas

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	LUBRIZOL EMPLOYEES' ★ 5.0 · 9 reviews	8.74%	10.21%
2	U. S. I. ★ 4.3 · 9 reviews	10.90%	13.08%
3	SHELL ★ 3.6 · 176 reviews	17.50%	17.99%

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

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