Credit Cards · Emporia, Kansas

Best Credit Union Credit Card Rates in Emporia, Kansas

2 credit unions in Emporia report credit card APRs to the NCUA. Rates range from 13.20% to 14.45%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

13.20%

Lowest Card APR

13.83%

City Average APR

Credit Card APRs — Emporia, Kansas

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	EMPORIA STATE ★ 3.8 · 17 reviews	13.20%	13.90%
2	CREDIT UNION OF EMPORIA ★ 4.6 · 14 reviews	14.45%	10.58%

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

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