Credit Cards · El Paso, Texas
5 credit unions in El Paso report credit card APRs to the NCUA. Rates range from 11.84% to 13.24%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
11.84%
Lowest Card APR
12.49%
City Average APR
5 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | RAIZ ★ 4.2 · 477 reviews | 11.84% | 13.65% |
| 2 | GECU ★ 2.5 · 135 reviews | 11.89% | 14.42% |
| 3 | EVOLVE ★ 2.5 · 79 reviews | 12.50% | 16.00% |
| 4 | MOUNTAIN STAR ★ 4.2 · 38 reviews | 12.99% | 10.92% |
| 5 | FIRSTLIGHT ★ 4.4 · 1,337 reviews | 13.24% | 18.00% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in El Paso could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most El Paso 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.