Credit Cards · Paducah, Kentucky

Best Credit Union Credit Card Rates in Paducah, Kentucky

2 credit unions in Paducah report credit card APRs to the NCUA. Rates range from 10.49% to 11.40%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.49%

Lowest Card APR

10.95%

City Average APR

Credit Card APRs — Paducah, Kentucky

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	C-PLANT ★ 3.6 · 15 reviews	10.49%	9.32%
2	SIGNET ★ 3.5 · 16 reviews	11.40%	8.70%

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

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