Credit Cards · Memphis, Tennessee
12 credit unions in Memphis report credit card APRs to the NCUA. Rates range from 7.90% to 17.99%.
Updated Q1 2026 · NCUA Call Report data
12
CUs Reporting Rates
7.90%
Lowest Card APR
11.70%
City Average APR
12 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MEMPHIS CITY EMPLOYEES ★ 3.9 · 40 reviews | 7.90% | 9.75% |
| 2 | L G & W ★ 3.8 · 10 reviews | 7.90% | 16.00% |
| 3 | KIMBERLY CLARK ★ 4.0 · 31 reviews | 8.99% | 9.99% |
| 4 | FEDEX EMPLOYEES CREDIT ASSOCIATION ★ 3.1 · 94 reviews | 9.90% | 9.99% |
| 5 | MEMPHIS MUNICIPAL EMPLOYEES ★ 3.7 · 42 reviews | 9.99% | 11.03% |
| 6 | FEDTRUST ★ 4.8 · 4 reviews | 11.00% | 9.25% |
| 7 | F A A ★ 4.3 · 15 reviews | 12.25% | 12.50% |
| 8 | KELLOGG MEMPHIS EMPLOYEES ★ 4.8 · 6 reviews | 12.70% | 14.00% |
| 9 | UPS EMPLOYEES ★ 4.6 · 15 reviews | 12.90% | 15.00% |
| 10 | KENNEDY VA EMPLOYEES ★ 4.8 · 13 reviews | 14.00% | 14.83% |
| 11 | CN/IC EMPLOYEES ★ 4.2 · 5 reviews | 14.90% | 13.95% |
| 12 | ORION ★ 3.6 · 57 reviews | 17.99% | 14.49% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Memphis could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Memphis 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.