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Credit Cards · Bartlett, Tennessee

Best Credit Union Credit Card Rates in Bartlett, Tennessee

2 credit unions in Bartlett report credit card APRs to the NCUA. Rates range from 13.90% to 14.25%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

13.90%

Lowest Card APR

14.08%

City Average APR

Credit Card APRs — Bartlett, Tennessee

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1KEMBA DELTA

★ 3.9 · 28 reviews

13.90%17.06%
2FIRST SOUTH FINANCIAL

★ 2.6 · 25 reviews

14.25%18.00%
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 Bartlett 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 Bartlett credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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