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Credit Cards · South Bend, Indiana

Best Credit Union Credit Card Rates in South Bend, Indiana

4 credit unions in South Bend report credit card APRs to the NCUA. Rates range from 10.23% to 15.00%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

10.23%

Lowest Card APR

12.47%

City Average APR

Credit Card APRs — South Bend, Indiana

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1POLICEMEN'S

★ 4.7 · 21 reviews

10.23%13.12%
2SOUTH BEND FIREFIGHTERS

★ 4.3 · 14 reviews

11.90%9.55%
3EVERWISE

★ 3.7 · 98 reviews

12.75%10.75%
4COMMUNITYWIDE

★ 3.6 · 265 reviews

15.00%12.00%
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 South Bend 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 South Bend credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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