Credit Cards · Kentucky
36 credit unions in Kentucky report credit card APRs to the NCUA. Rates range from 0.44% to 14.90%.
Updated Q1 2026 · NCUA Call Report data
36
CUs Reporting Rates
0.44%
Lowest Card APR
10.90%
State Average APR
19
Cities Covered
36 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | GREATER KENTUCKY CU, INC. LEXINGTON | 0.44% | 13.41% |
| 2 | MEMBERS HERITAGE Lexington | 7.99% | 9.25% |
| 3 | LABOR MANAGEMENT LEWISPORT | 7.99% | 11.50% |
| 4 | COVE Edgewood | 8.61% | 9.69% |
| 5 | LEXINGTON POSTAL COMMUNITY Lexington | 8.75% | 10.00% |
| 6 | TRANSCEND Louisville | 8.90% | 13.90% |
| 7 | WHITESVILLE COMMUNITY Whitesville | 8.99% | 10.00% |
| 8 | MEMBERS CHOICE ASHLAND | 8.99% | 13.49% |
| 9 | NORTHERN KENTUCKY Highland Height | 8.99% | 8.75% |
| 10 | DAVIESS COUNTY TEACHERS Owensboro | 9.00% | 10.00% |
| 11 | KUE Lexington | 9.90% | 12.52% |
| 12 | KRAFTCOR Hawesville | 9.90% | 11.25% |
| 13 | THE HEALTH & EDUCATION Lexington | 9.90% | 11.90% |
| 14 | EXPREE Frankfort | 10.40% | 14.57% |
| 15 | METRO PLUS Lexington | 10.40% | 11.00% |
| 16 | C-PLANT PADUCAH | 10.49% | 9.32% |
| 17 | AUTOTRUCK FINANCIAL Louisville | 10.75% | 9.99% |
| 18 | BEACON COMMUNITY Louisville | 10.80% | 9.47% |
| 19 | K I T Louisville | 10.90% | 17.30% |
| 20 | AUDUBON Owensboro | 10.90% | 9.20% |
| 21 | DOE RUN BRANDENBURG | 10.99% | 14.00% |
| 22 | SIGNET Paducah | 11.40% | 8.70% |
| 23 | ADVANZ Louisville | 11.65% | 12.35% |
| 24 | SERVICE ONE Bowling Green | 11.75% | 9.90% |
| 25 | LOUISVILLE GAS AND ELECTRIC COMPANY Louisville | 11.90% | 12.47% |
| 26 | L & N Louisville | 12.69% | 12.86% |
| 27 | CLASS ACT Louisville | 12.75% | 16.75% |
| 28 | OLD KENTUCKY HOME BARDSTOWN | 12.90% | 10.99% |
| 29 | ASHLAND ASHLAND | 13.24% | 15.70% |
| 30 | UNIVERSITY OF KENTUCKY Lexington | 13.69% | 7.76% |
| 31 | ABOUND Radcliff | 13.75% | 11.99% |
| 32 | LAKE CHEM COMMUNITY Benton | 14.00% | 9.89% |
| 33 | PARK Louisville | 14.24% | 18.00% |
| 34 | COMMONWEALTH Frankfort | 14.65% | 11.49% |
| 35 | OWENSBORO Owensboro | 14.88% | 10.00% |
| 36 | YOUR HOMETOWN Mayfield | 14.90% | 10.58% |
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 Kentucky 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 Kentucky 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.