Credit Cards · New Orleans, Louisiana

Best Credit Union Credit Card Rates in New Orleans, Louisiana

4 credit unions in New Orleans report credit card APRs to the NCUA. Rates range from 9.50% to 11.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.50%

Lowest Card APR

10.83%

City Average APR

Credit Card APRs — New Orleans, Louisiana

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	UNO ★ 3.9 · 15 reviews	9.50%	15.00%
2	INSTEP ★ 4.1 · 8 reviews	10.90%	9.70%
3	RIVERLAND ★ 4.3 · 20 reviews	11.00%	8.03%
4	TULANE/LOYOLA ★ 2.8 · 12 reviews	11.90%	15.00%

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

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