Credit Cards · Cincinnati, Ohio
9 credit unions in Cincinnati report credit card APRs to the NCUA. Rates range from 9.00% to 14.40%.
Updated Q1 2026 · NCUA Call Report data
9
CUs Reporting Rates
9.00%
Lowest Card APR
11.69%
City Average APR
9 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | CINCINNATI OHIO POLICE ★ 4.6 · 58 reviews | 9.00% | 12.80% |
| 2 | CHILDREN'S MEDICAL CENTER ★ 3.1 · 13 reviews | 9.65% | 12.65% |
| 3 | POSTAL FAMILY CREDIT UNION, INC. ★ 4.9 · 9 reviews | 9.90% | 12.40% |
| 4 | TRUPARTNER ★ 3.5 · 69 reviews | 11.08% | 10.04% |
| 5 | SHAREFAX ★ 4.5 · 169 reviews | 11.49% | 10.25% |
| 6 | CINCINNATI HEALTHCARE ASSOCIATES ★ 4.5 · 11 reviews | 12.50% | 13.20% |
| 7 | CINCINNATI INTERAGENCY ★ 4.5 · 8 reviews | 13.25% | 9.99% |
| 8 | GREATER CINCINNATI SCHOOL ★ 3.6 · 21 reviews | 13.90% | 10.90% |
| 9 | CINFED ★ 4.0 · 94 reviews | 14.40% | 12.99% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Cincinnati could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Cincinnati 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.