Credit Cards · Kansas
37 credit unions in Kansas report credit card APRs to the NCUA. Rates range from 8.50% to 17.70%.
Updated Q1 2026 · NCUA Call Report data
37
CUs Reporting Rates
8.50%
Lowest Card APR
11.78%
State Average APR
24
Cities Covered
37 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | SUNFLOWER COMMUNITY Marysville | 8.50% | 10.75% |
| 2 | RELIANCE Kansas City | 9.00% | 16.00% |
| 3 | QUANTUM Wichita | 9.31% | 11.50% |
| 4 | WHITE EAGLE Augusta | 9.45% | 11.17% |
| 5 | MAINSTREET Lenexa | 9.50% | 12.49% |
| 6 | CATHOLIC FAMILY Wichita | 9.90% | 11.50% |
| 7 | MAZUMA Overland Park | 9.90% | 18.40% |
| 8 | HUTCHINSON POSTAL & COMMUNITY HUTCHINSON | 9.95% | 9.50% |
| 9 | B&V OVERLAND PARK | 9.99% | 12.75% |
| 10 | PANHANDLE Wellington | 9.99% | 9.46% |
| 11 | HUTCHINSON GOVERNMENT EMPLOYEES Hutchinson | 10.00% | 21.00% |
| 12 | AZURA Topeka | 10.25% | 14.99% |
| 13 | EMPOWER BLUE TOPEKA | 10.25% | 9.75% |
| 14 | FRONTIER COMMUNITY Leavenworth | 10.87% | 12.09% |
| 15 | MID AMERICAN Wichita | 10.89% | 12.54% |
| 16 | BELL HUTCHINSON | 10.90% | 14.03% |
| 17 | MID-KANSAS MOUNDRIDGE | 10.90% | 13.53% |
| 18 | UNITED NORTHWEST NORTON | 10.99% | 12.59% |
| 19 | WHEAT STATE Wichita | 11.40% | 9.22% |
| 20 | GOLDEN PLAINS Garden City | 11.90% | 14.90% |
| 21 | KANSAS STATE UNIVERSITY Manhattan | 11.90% | 14.23% |
| 22 | ENVISTA Topeka | 11.95% | 16.95% |
| 23 | MIDWEST REGIONAL Kansas City | 12.00% | 12.50% |
| 24 | WICHITA Wichita | 12.89% | 13.30% |
| 25 | CO-OPERATIVE COFFEYVILLE | 12.90% | 9.90% |
| 26 | MCPHERSON CO-OP MCPHERSON | 12.99% | 12.72% |
| 27 | K.U.M.C. Shawnee | 13.00% | 13.96% |
| 28 | ARK VALLEY Arkansas City | 13.00% | 11.71% |
| 29 | SKYWARD Wichita | 13.00% | 8.99% |
| 30 | CAMPUS Wichita | 13.05% | 13.52% |
| 31 | EMPORIA STATE EMPORIA | 13.20% | 13.90% |
| 32 | CREDIT UNION OF AMERICA Wichita | 13.40% | 16.90% |
| 33 | CREDIT UNION OF DODGE CITY Dodge City | 13.99% | 13.19% |
| 34 | CREDIT UNION OF EMPORIA EMPORIA | 14.45% | 10.58% |
| 35 | KC FAIRFAX KANSAS CITY | 15.30% | 15.36% |
| 36 | HEARTLAND HUTCHINSON | 17.24% | 16.90% |
| 37 | COMMUNITYAMERICA Lenexa | 17.70% | 13.24% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Kansas accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Kansas offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.