Credit Cards · Kokomo, Indiana

Best Credit Union Credit Card Rates in Kokomo, Indiana

4 credit unions in Kokomo report credit card APRs to the NCUA. Rates range from 9.71% to 13.56%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.71%

Lowest Card APR

11.75%

City Average APR

Credit Card APRs — Kokomo, Indiana

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	FINANCIAL BUILDERS ★ 3.3 · 84 reviews	9.71%	10.80%
2	HAYNES COMMUNITY ★ 4.6 · 16 reviews	11.24%	9.58%
3	CITY OF FIRSTS COMMUNITY ★ 4.2 · 58 reviews	12.50%	10.00%
4	INDIANA HEARTLAND ★ 4.8 · 227 reviews	13.56%	11.63%

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

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