Credit Cards · Lexington, Kentucky
7 credit unions in Lexington report credit card APRs to the NCUA. Rates range from 0.44% to 13.69%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
0.44%
Lowest Card APR
8.72%
City Average APR
7 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | GREATER KENTUCKY CU, INC. ★ 4.0 · 87 reviews | 0.44% | 13.41% |
| 2 | MEMBERS HERITAGE ★ 3.2 · 33 reviews | 7.99% | 9.25% |
| 3 | LEXINGTON POSTAL COMMUNITY ★ 3.9 · 14 reviews | 8.75% | 10.00% |
| 4 | THE HEALTH & EDUCATION ★ 3.8 · 20 reviews | 9.90% | 11.90% |
| 5 | KUE ★ 3.5 · 11 reviews | 9.90% | 12.52% |
| 6 | METRO PLUS ★ 4.2 · 22 reviews | 10.40% | 11.00% |
| 7 | UNIVERSITY OF KENTUCKY ★ 4.0 · 548 reviews | 13.69% | 7.76% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Lexington could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Lexington credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.