Credit Cards · Louisville, Kentucky
9 credit unions in Louisville report credit card APRs to the NCUA. Rates range from 8.90% to 14.24%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
8.90%
Lowest Card APR
11.62%
City Average APR
9 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | TRANSCEND ★ 4.8 · 593 reviews | 8.90% | 13.90% |
| 2 | AUTOTRUCK FINANCIAL ★ 3.3 · 94 reviews | 10.75% | 9.99% |
| 3 | BEACON COMMUNITY ★ 3.0 · 84 reviews | 10.80% | 9.47% |
| 4 | K I T ★ 4.6 · 45 reviews | 10.90% | 17.30% |
| 5 | ADVANZ ★ 4.6 · 199 reviews | 11.65% | 12.35% |
| 6 | LOUISVILLE GAS AND ELECTRIC COMPANY ★ 1.7 · 313 reviews | 11.90% | 12.47% |
| 7 | L & N ★ 3.9 · 44 reviews | 12.69% | 12.86% |
| 8 | CLASS ACT ★ 4.0 · 75 reviews | 12.75% | 16.75% |
| 9 | PARK ★ 4.6 · 258 reviews | 14.24% | 18.00% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Louisville could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Louisville 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.