Credit Cards · Elkhart, Indiana

Best Credit Union Credit Card Rates in Elkhart, Indiana

2 credit unions in Elkhart report credit card APRs to the NCUA. Rates range from 11.90% to 17.99%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.90%

Lowest Card APR

14.95%

City Average APR

Credit Card APRs — Elkhart, Indiana

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CHIPHONE ★ 3.5 · 34 reviews	11.90%	9.60%
2	INOVA ★ 4.9 · 3,083 reviews	17.99%	14.49%

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

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