Credit Cards · Lubbock, Texas

Best Credit Union Credit Card Rates in Lubbock, Texas

3 credit unions in Lubbock report credit card APRs to the NCUA. Rates range from 8.24% to 13.78%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.24%

Lowest Card APR

11.32%

City Average APR

Credit Card APRs — Lubbock, Texas

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	TEXAS TECH ★ 4.6 · 414 reviews	8.24%	10.82%
2	WESTEX ★ 2.9 · 28 reviews	11.93%	10.78%
3	ALLIANCE ★ 4.7 · 542 reviews	13.78%	16.84%

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

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