Credit Cards · Lufkin, Texas

Best Credit Union Credit Card Rates in Lufkin, Texas

2 credit unions in Lufkin report credit card APRs to the NCUA. Rates range from 10.00% to 10.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.00%

Lowest Card APR

10.45%

City Average APR

Credit Card APRs — Lufkin, Texas

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SOUTHLAND ★ 4.2 · 46 reviews	10.00%	13.14%
2	ASPIRE ★ 4.7 · 13 reviews	10.90%	15.64%

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

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