Credit Cards · Arkansas
20 credit unions in Arkansas report credit card APRs to the NCUA. Rates range from 7.69% to 14.49%.
Updated Q1 2026 · NCUA Call Report data
20
CUs Reporting Rates
7.69%
Lowest Card APR
10.81%
State Average APR
14
Cities Covered
20 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | DILLARD'S LITTLE ROCK | 7.69% | 7.90% |
| 2 | ARKANSAS BEST Fort Smith | 8.15% | 11.00% |
| 3 | COOPERATIVE EXTENSION SERVICE LITTLE ROCK | 8.33% | 12.80% |
| 4 | MIL-WAY Texarkana | 8.75% | 11.00% |
| 5 | ALCOA COMMUNITY Benton | 8.80% | 11.21% |
| 6 | NORTHWEST ARKANSAS FAYETTEVILLE | 9.35% | 11.67% |
| 7 | UP North Little Ro | 9.74% | 12.04% |
| 8 | CLEARWAY Malvern | 9.94% | 13.70% |
| 9 | SUCCESS BLYTHEVILLE | 9.95% | 14.27% |
| 10 | PINE PINE BLUFF | 10.00% | 9.99% |
| 11 | TRUSERVICE COMMUNITY LITTLE ROCK | 10.32% | 12.60% |
| 12 | FAIRFIELD PINE BLUFF | 10.75% | 11.50% |
| 13 | RIVER TOWN FORT SMITH | 11.90% | 10.44% |
| 14 | HURRICANE CREEK BENTON | 11.90% | 16.00% |
| 15 | PATTERSON ARKADELPHIA | 12.30% | 12.99% |
| 16 | NATURAL STATE SEARCY | 12.90% | 15.00% |
| 17 | ARKANSAS EDUCATION ASSOCIATION LITTLE ROCK | 12.99% | 14.95% |
| 18 | ELECTRIC COOPERATIVES LITTLE ROCK | 13.90% | 12.35% |
| 19 | TELCOE LITTLE ROCK | 13.99% | 14.74% |
| 20 | ARKANSAS Little Rock | 14.49% | 9.39% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Arkansas accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Arkansas offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.