Credit Cards · Atlanta, Georgia

Best Credit Union Credit Card Rates in Atlanta, Georgia

5 credit unions in Atlanta report credit card APRs to the NCUA. Rates range from 6.95% to 15.64%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

6.95%

Lowest Card APR

12.27%

City Average APR

Credit Card APRs — Atlanta, Georgia

5 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CREDIT UNION OF ATLANTA ★ 4.1 · 408 reviews	6.95%	11.00%
2	ON THE GRID FINANCIAL ★ 3.7 · 15 reviews	9.00%	4.50%
3	GEORGIA'S OWN ★ 2.7 · 57 reviews	14.49%	12.24%
4	DELTA COMMUNITY ★ 3.5 · 179 reviews	15.25%	9.75%
5	B.O.N.D. COMMUNITY ★ 4.2 · 25 reviews	15.64%	15.28%

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

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