Credit Cards · Savannah, Georgia

Best Credit Union Credit Card Rates in Savannah, Georgia

3 credit unions in Savannah report credit card APRs to the NCUA. Rates range from 11.50% to 14.10%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.50%

Lowest Card APR

12.83%

City Average APR

Credit Card APRs — Savannah, Georgia

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SAVANNAH POSTAL ★ 4.8 · 25 reviews	11.50%	18.00%
2	GEORGIA HERITAGE ★ 4.6 · 94 reviews	12.90%	12.95%
3	SAVANNAH SCHOOLS ★ 3.8 · 17 reviews	14.10%	12.46%

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

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