Credit Cards · Elyria, Ohio

Best Credit Union Credit Card Rates in Elyria, Ohio

2 credit unions in Elyria report credit card APRs to the NCUA. Rates range from 8.90% to 10.00%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.90%

Lowest Card APR

9.45%

City Average APR

Credit Card APRs — Elyria, Ohio

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	ACHIEVE ★ 4.2 · 40 reviews	8.90%	14.95%
2	COMMUNITY STAR ★ 4.5 · 123 reviews	10.00%	11.98%

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

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