Credit Cards · Pampa, Texas

Best Credit Union Credit Card Rates in Pampa, Texas

2 credit unions in Pampa report credit card APRs to the NCUA. Rates range from 7.90% to 14.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

7.90%

Lowest Card APR

10.95%

City Average APR

Credit Card APRs — Pampa, Texas

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	PAMPA TEACHERS ★ 3.6 · 13 reviews	7.90%	10.00%
2	CABOT COMMUNITY ★ 3.7 · 9 reviews	14.00%	11.06%

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

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