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Credit Cards · Columbus, Ohio

Best Credit Union Credit Card Rates in Columbus, Ohio

4 credit unions in Columbus report credit card APRs to the NCUA. Rates range from 8.99% to 15.49%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

8.99%

Lowest Card APR

12.04%

City Average APR

Credit Card APRs — Columbus, Ohio

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1STATE HIGHWAY PATROL

★ 4.7 · 15 reviews

8.99%10.44%
2CME

★ 4.5 · 262 reviews

10.70%12.25%
3PATHWAYS FINANCIAL

★ 4.8 · 701 reviews

12.99%10.95%
4EDUCATION FIRST CREDIT UNION, INC.

★ 4.1 · 96 reviews

15.49%9.99%
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 Columbus 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 Columbus credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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