Credit Cards · Houston, Texas
27 credit unions in Houston report credit card APRs to the NCUA. Rates range from 7.15% to 16.02%.
Updated Q1 2026 · NCUA Call Report data
27
CUs Reporting Rates
7.15%
Lowest Card APR
11.74%
City Average APR
27 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HOUSTON TEXAS FIRE FIGHTERS ★ 4.8 · 303 reviews | 7.15% | 10.95% |
| 2 | JSC ★ 3.9 · 880 reviews | 7.90% | 8.99% |
| 3 | HOUSTON POLICE ★ 4.2 · 104 reviews | 7.99% | 9.14% |
| 4 | HARRIS COUNTY ★ 3.7 · 143 reviews | 8.90% | 11.55% |
| 5 | MEMBERSOURCE ★ 3.6 · 145 reviews | 8.99% | 8.47% |
| 6 | BCM ★ 3.7 · 21 reviews | 9.00% | 11.64% |
| 7 | SOUTHERN STAR ★ 4.1 · 21 reviews | 9.90% | 11.50% |
| 8 | MET TRAN | 9.90% | 10.74% |
| 9 | KBR HERITAGE ★ 3.3 · 9 reviews | 9.90% | 13.54% |
| 10 | FIRST SERVICE ★ 4.3 · 204 reviews | 9.99% | 11.99% |
| 11 | SOUTHERN ★ 4.5 · 47 reviews | 10.90% | 10.16% |
| 12 | P.I.E. | 11.00% | 9.99% |
| 13 | MEMBERS TRUST OF THE SOUTHWEST ★ 4.8 · 51 reviews | 11.74% | 14.75% |
| 14 | MEMBERS CHOICE ★ 4.3 · 423 reviews | 11.75% | 8.90% |
| 15 | UNITED COMMUNITY ★ 4.5 · 187 reviews | 11.83% | 12.36% |
| 16 | HOUSTON HIGHWAY ★ 4.0 · 72 reviews | 11.99% | 12.75% |
| 17 | BAKER HUGHES ★ 2.5 · 16 reviews | 12.90% | 13.00% |
| 18 | TEXAS DOW EMPLOYEES ★ 1.9 · 44 reviews | 13.49% | 7.14% |
| 19 | CY-FAIR ★ 3.8 · 207 reviews | 13.50% | 12.50% |
| 20 | UNION FIDELITY ★ 4.5 · 25 reviews | 13.90% | 13.17% |
| 21 | FIRST COMMUNITY ★ 4.7 · 1,488 reviews | 13.99% | 14.99% |
| 22 | MEMORIAL ★ 4.2 · 98 reviews | 14.37% | 12.62% |
| 23 | ENERGY CAPITAL ★ 3.8 · 226 reviews | 14.49% | 12.75% |
| 24 | BAYOU CITY ★ 1.8 · 43 reviews | 14.75% | 18.00% |
| 25 | BP ★ 3.0 · 2 reviews | 14.98% | 11.89% |
| 26 | TEXAS BAY ★ 4.8 · 2,087 reviews | 15.72% | 12.46% |
| 27 | PRIORITY TRUST ★ 3.1 · 138 reviews | 16.02% | 13.47% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Houston could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Houston 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.