Credit Cards · Muncie, Indiana

Best Credit Union Credit Card Rates in Muncie, Indiana

4 credit unions in Muncie report credit card APRs to the NCUA. Rates range from 11.26% to 12.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.26%

Lowest Card APR

11.99%

City Average APR

Credit Card APRs — Muncie, Indiana

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	PRIMETRUST FINANCIAL ★ 4.2 · 105 reviews	11.26%	10.51%
2	THRIVE ★ 4.6 · 61 reviews	11.90%	11.25%
3	DEL MET ★ 4.2 · 5 reviews	11.90%	9.50%
4	FIRST COUNTY ★ 4.3 · 19 reviews	12.90%	9.49%

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

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