Credit Cards · Middletown, Ohio

Best Credit Union Credit Card Rates in Middletown, Ohio

3 credit unions in Middletown report credit card APRs to the NCUA. Rates range from 12.75% to 12.96%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.75%

Lowest Card APR

12.87%

City Average APR

Credit Card APRs — Middletown, Ohio

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MYUSA ★ 3.3 · 79 reviews	12.75%	11.50%
2	SORG BAY WEST ★ 3.5 · 8 reviews	12.90%	15.00%
3	MIDDLETOWN AREA SCHOOLS ★ 5.0 · 14 reviews	12.96%	12.32%

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

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