Credit Cards · Chattanooga, Tennessee
6 credit unions in Chattanooga report credit card APRs to the NCUA. Rates range from 8.99% to 15.00%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
8.99%
Lowest Card APR
11.55%
City Average APR
6 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HEALTHCARE SERVICES ★ 4.2 · 12 reviews | 8.99% | 12.75% |
| 2 | COMTRUST ★ 3.1 · 20 reviews | 9.31% | 10.28% |
| 3 | EPB EMPLOYEES ★ 4.7 · 12 reviews | 12.00% | 10.00% |
| 4 | MEMORIAL ★ 5.0 · 8 reviews | 12.00% | 14.00% |
| 5 | SOUTHERN ★ 5.0 · 6 reviews | 12.00% | 9.00% |
| 6 | CHATTANOOGA FEDERAL EMPLOYEES ★ 4.7 · 35 reviews | 15.00% | 11.50% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Chattanooga could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Chattanooga 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.