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Credit Cards · Kerrville, Texas

Best Credit Union Credit Card Rates in Kerrville, Texas

2 credit unions in Kerrville report credit card APRs to the NCUA. Rates range from 3.00% to 10.50%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

3.00%

Lowest Card APR

6.75%

City Average APR

Credit Card APRs — Kerrville, Texas

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1TEXHILLCO SCHOOL EMPLOYEES

★ 5.0 · 8 reviews

3.00%9.25%
2KERR COUNTY

★ 3.3 · 38 reviews

10.50%10.37%
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 Kerrville 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 Kerrville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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