Credit Cards · Dallas, Texas
10 credit unions in Dallas report credit card APRs to the NCUA. Rates range from 9.50% to 15.56%.
Updated Q1 2026 · NCUA Call Report data
10
CUs Reporting Rates
9.50%
Lowest Card APR
12.24%
City Average APR
10 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | SOUTHWEST AIRLINES ★ 3.6 · 76 reviews | 9.50% | 11.97% |
| 2 | METRO MEDICAL ★ 4.2 · 77 reviews | 9.90% | 7.90% |
| 3 | ADVANCIAL ★ 3.9 · 21 reviews | 9.90% | 9.40% |
| 4 | PRESTIGE COMMUNITY ★ 4.7 · 398 reviews | 12.44% | 12.20% |
| 5 | RESOURCE ONE ★ 3.8 · 216 reviews | 12.76% | 12.30% |
| 6 | BAYLOR HEALTH CARE SYSTEM ★ 3.3 · 39 reviews | 12.90% | 11.49% |
| 7 | LONE STAR ★ 4.1 · 40 reviews | 12.95% | 15.00% |
| 8 | CITY ★ 4.9 · 3,349 reviews | 12.99% | 12.99% |
| 9 | THE LOCAL ★ 3.9 · 50 reviews | 13.50% | 15.00% |
| 10 | NEIGHBORHOOD ★ 4.2 · 324 reviews | 15.56% | 12.81% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Dallas could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Dallas 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.