Credit Cards · Louisiana
69 credit unions in Louisiana report credit card APRs to the NCUA. Rates range from 2.99% to 17.99%.
Updated Q1 2026 · NCUA Call Report data
69
CUs Reporting Rates
2.99%
Lowest Card APR
10.50%
State Average APR
32
Cities Covered
69 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | CSE Lake Charles | 2.99% | 12.81% |
| 2 | EPIC Metairie | 6.99% | 12.00% |
| 3 | POST OFFICE EMPLOYEES Shreveport | 6.99% | 13.18% |
| 4 | VERMILION EMPLOYEES Abbeville | 7.00% | 8.74% |
| 5 | 705 Lafayette | 7.90% | 12.57% |
| 6 | MAPLE Lafayette | 7.90% | 12.25% |
| 7 | TOTAL CHOICE Hahnville | 7.90% | 14.19% |
| 8 | SOUTHWEST LOUISIANA Lake Charles | 7.99% | 16.95% |
| 9 | LOUISIANA CENTRAL HARAHAN | 7.99% | 9.69% |
| 10 | MERITUS LAFAYETTE | 8.01% | 12.99% |
| 11 | POST OFFICE EMPLOYEES' METAIRIE | 8.10% | 9.41% |
| 12 | FORMATION Baton Rouge | 8.20% | 10.45% |
| 13 | BATON ROUGE TELCO Baton Rouge | 8.21% | 12.98% |
| 14 | ANECA Shreveport | 8.42% | 10.00% |
| 15 | HEART OF LOUISIANA PINEVILLE | 8.69% | 10.52% |
| 16 | CARTER SPRINGHILL | 8.80% | 9.75% |
| 17 | GP LOUISIANA ZACHARY | 8.83% | 13.04% |
| 18 | DEPARTMENT OF CORRECTIONS Baton Rouge | 8.90% | 16.64% |
| 19 | GEISMAR COMPLEX Geismar | 8.90% | 10.99% |
| 20 | CADDO PARISH TEACHERS SHREVEPORT | 8.99% | 8.15% |
| 21 | OUACHITA VALLEY West Monroe | 8.99% | 9.99% |
| 22 | ACADIAN Lafayette | 9.20% | 13.16% |
| 23 | P.H.I. Lafayette | 9.20% | 10.00% |
| 24 | EAGLE LOUISIANA Baton Rouge | 9.25% | 11.95% |
| 25 | UNO NEW ORLEANS | 9.50% | 15.00% |
| 26 | ACADIANA MEDICAL Lafayette | 9.50% | 10.00% |
| 27 | BOSSIER BOSSIER CITY | 9.69% | 10.67% |
| 28 | KRAFTMAN Bastrop | 9.90% | 8.90% |
| 29 | BATON ROUGE CITY PARISH EMP BATON ROUGE | 9.90% | 12.12% |
| 30 | BRECO Baton Rouge | 9.90% | 12.24% |
| 31 | ALEXANDRIA MUNICIPAL EMPLOYEES Alexandria | 9.90% | 11.24% |
| 32 | VALEX Alexandria | 9.90% | 11.08% |
| 33 | WILLIS KNIGHTON SHREVEPORT | 9.90% | 13.50% |
| 34 | CUSA Covington | 9.90% | 9.90% |
| 35 | UNIVERSITY OF LOUISIANA Lafayette | 9.95% | 9.95% |
| 36 | BARTON PLANT EMPLOYEES Luling | 9.99% | 12.81% |
| 37 | CENLA Alexandria | 10.00% | 10.00% |
| 38 | ST. TAMMANY SLIDELL | 10.00% | 16.73% |
| 39 | JEFFERSON PARISH EMPLOYEES HARAHAN | 10.45% | 12.87% |
| 40 | THE NEW ORLEANS FIREMEN'S Metairie | 10.47% | 11.83% |
| 41 | FIRST PIONEERS LAFAYETTE | 10.75% | 11.43% |
| 42 | INSTEP New Orleans | 10.90% | 9.70% |
| 43 | NEIGHBORS BATON ROUGE | 10.99% | 10.99% |
| 44 | RIVERLAND NEW ORLEANS | 11.00% | 8.03% |
| 45 | EFCU FINANCIAL Baton Rouge | 11.00% | 8.00% |
| 46 | LES BATON ROUGE | 11.14% | 12.72% |
| 47 | SEVENFOLD West Monroe | 11.43% | 13.42% |
| 48 | CENTRIC West Monroe | 11.67% | 10.87% |
| 49 | FELICIANA ZACHARY | 11.76% | 11.33% |
| 50 | LA CAPITOL Baton Rouge | 11.86% | 11.68% |
| 51 | TULANE/LOYOLA New Orleans | 11.90% | 15.00% |
| 52 | LA TERRE HOUMA | 11.90% | 11.88% |
| 53 | STATE AGENCIES SHREVEPORT | 12.00% | 9.99% |
| 54 | LOUISIANA CATHOLIC Shreveport | 12.23% | 11.12% |
| 55 | BAYOU BATON ROUGE | 12.25% | 10.61% |
| 56 | SOUTHERN TEACHERS & PARENTS BATON ROUGE | 12.50% | 14.99% |
| 57 | ONPATH Metairie | 12.88% | 12.26% |
| 58 | FLEUR-DE-LIS Metairie | 12.90% | 11.19% |
| 59 | BARKSDALE BARKSDALE AFB | 12.90% | 11.47% |
| 60 | WESLA Shreveport | 12.90% | 9.64% |
| 61 | WYMAR GEISMAR | 12.99% | 11.25% |
| 62 | ENGAGE NATCHITOCHES | 13.40% | 11.98% |
| 63 | PELICAN Baton Rouge | 13.47% | 14.13% |
| 64 | DISTRICT 08 ALEXANDRIA | 13.90% | 16.78% |
| 65 | XPLORE Metairie | 14.30% | 11.95% |
| 66 | RAPIDES ALEXANDRIA | 15.00% | 7.00% |
| 67 | CAMPUS Baton Rouge | 16.25% | 18.00% |
| 68 | BAYOU COMMUNITY Saint Gabriel | 16.99% | 12.72% |
| 69 | ASCENSION GONZALES | 17.99% | 13.65% |
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 Louisiana 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 Louisiana 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.