Credit Cards · Gainesville, Texas

Best Credit Union Credit Card Rates in Gainesville, Texas

1 credit union in Gainesville report credit card APRs to the NCUA. Lowest rate: 10.15%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.15%

Lowest Card APR

10.15%

City Average APR

Credit Card APRs — Gainesville, Texas

1 credit union sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	4U ★ 3.8 · 66 reviews	10.15%	10.71%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Gainesville could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Gainesville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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