Credit Cards · San Antonio, Texas
12 credit unions in San Antonio report credit card APRs to the NCUA. Rates range from 9.19% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
12
CUs Reporting Rates
9.19%
Lowest Card APR
12.62%
City Average APR
12 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | CITY PUBLIC SERVICE/IBEW ★ 4.3 · 8 reviews | 9.19% | 13.10% |
| 2 | SELECT ★ 3.3 · 49 reviews | 9.90% | 13.50% |
| 3 | SYNERGY ★ 3.7 · 10 reviews | 10.40% | 9.90% |
| 4 | BAPTIST ★ 4.4 · 20 reviews | 10.67% | 11.74% |
| 5 | SECURITY SERVICE ★ 4.6 · 1,302 reviews | 10.99% | 9.99% |
| 6 | RIVER CITY ★ 4.6 · 211 reviews | 11.35% | 10.82% |
| 7 | CREDIT HUMAN ★ 2.5 · 69 reviews | 11.70% | 11.99% |
| 8 | SOUTHWEST RESEARCH CENTER ★ 5.0 · 2 reviews | 11.87% | 9.52% |
| 9 | SOARION ★ 4.9 · 27 reviews | 14.75% | 11.50% |
| 10 | FIRSTMARK ★ 4.7 · 376 reviews | 14.76% | 11.83% |
| 11 | H E B ★ 4.2 · 250 reviews | 17.90% | 14.49% |
| 12 | GENERATIONS COMMUNITY ★ 3.3 · 104 reviews | 18.00% | 15.00% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in San Antonio could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most San Antonio 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.