Credit Cards · Macon, Georgia

Best Credit Union Credit Card Rates in Macon, Georgia

2 credit unions in Macon report credit card APRs to the NCUA. Rates range from 12.61% to 15.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.61%

Lowest Card APR

13.81%

City Average APR

Credit Card APRs — Macon, Georgia

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CGR ★ 3.3 · 66 reviews	12.61%	14.57%
2	MIDSOUTH COMMUNITY ★ 4.1 · 48 reviews	15.00%	14.00%

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

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