Credit Cards · Saint Louis, Missouri
7 credit unions in Saint Louis report credit card APRs to the NCUA. Rates range from 9.00% to 13.90%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
9.00%
Lowest Card APR
11.42%
City Average APR
7 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | CENTURY ★ 4.6 · 240 reviews | 9.00% | 10.26% |
| 2 | HEALTH CARE FAMILY ★ 3.8 · 39 reviews | 9.43% | 9.66% |
| 3 | TOGETHER ★ 3.7 · 303 reviews | 10.40% | 11.49% |
| 4 | ST. LOUIS COMMUNITY ★ 2.7 · 196 reviews | 11.75% | 15.27% |
| 5 | LUTHERAN | 11.99% | 9.65% |
| 6 | NEIGHBORS ★ 3.9 · 87 reviews | 13.45% | 12.99% |
| 7 | FIRST MISSOURI ★ 4.0 · 58 reviews | 13.90% | 12.36% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Saint Louis could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Saint Louis 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.