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Credit Cards · Huntsville, Texas

Best Credit Union Credit Card Rates in Huntsville, Texas

2 credit unions in Huntsville report credit card APRs to the NCUA. Rates range from 11.90% to 12.95%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

11.90%

Lowest Card APR

12.43%

City Average APR

Credit Card APRs — Huntsville, Texas

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1COMMUNITY SERVICE

★ 3.8 · 121 reviews

11.90%9.49%
2WALKER COUNTY

★ 4.3 · 52 reviews

12.95%10.25%
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 Huntsville 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 Huntsville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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