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Credit Cards · Sugar Land, Texas

Best Credit Union Credit Card Rates in Sugar Land, Texas

4 credit unions in Sugar Land report credit card APRs to the NCUA. Rates range from 11.90% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

11.90%

Lowest Card APR

13.71%

City Average APR

Credit Card APRs — Sugar Land, Texas

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SCHLUMBERGER EMPLOYEES

★ 2.4 · 97 reviews

11.90%12.48%
2NIZARI PROGRESSIVE

★ 3.7 · 62 reviews

11.99%8.45%
3PIONEER MUTUAL

★ 4.1 · 29 reviews

12.95%6.71%
4HOUSTON

★ 3.8 · 315 reviews

18.00%11.00%
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 Sugar Land 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 Sugar Land credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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