Credit Cards · Austin, Texas
13 credit unions in Austin report credit card APRs to the NCUA. Rates range from 7.99% to 17.90%.
Updated Q1 2026 · NCUA Call Report data
13
CUs Reporting Rates
7.99%
Lowest Card APR
11.79%
City Average APR
13 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | PECU ★ 4.9 · 225 reviews | 7.99% | 9.99% |
| 2 | GOVERNMENT EMPLOYEES ★ 4.1 · 18 reviews | 9.12% | 10.25% |
| 3 | AUSTIN TELCO ★ 2.9 · 45 reviews | 9.90% | 9.90% |
| 4 | AUSTIN ★ 3.5 · 45 reviews | 9.90% | 9.90% |
| 5 | VELOCITY ★ 3.8 · 385 reviews | 10.75% | 12.48% |
| 6 | CAPITOL ★ 4.0 · 41 reviews | 10.89% | 12.35% |
| 7 | LCRA ★ 4.6 · 10 reviews | 10.90% | 15.00% |
| 8 | TEXAS HEALTH ★ 4.2 · 44 reviews | 11.90% | 11.14% |
| 9 | STAR OF TEXAS ★ 4.5 · 120 reviews | 12.12% | 14.97% |
| 10 | TRAVIS COUNTY ★ 4.2 · 74 reviews | 12.84% | 10.73% |
| 11 | TEXAS DPS ★ 4.0 · 46 reviews | 13.99% | 14.07% |
| 12 | GREATER TEXAS ★ 4.4 · 135 reviews | 15.01% | 13.79% |
| 13 | UNIVERSITY ★ 4.3 · 61 reviews | 17.90% | 13.90% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Austin could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Austin 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.