Credit Cards · Mcallen, Texas

Best Credit Union Credit Card Rates in Mcallen, Texas

2 credit unions in Mcallen report credit card APRs to the NCUA. Rates range from 10.83% to 12.03%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.83%

Lowest Card APR

11.43%

City Average APR

Credit Card APRs — Mcallen, Texas

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SOUTH TEXAS ★ 4.0 · 89 reviews	10.83%	7.01%
2	SECURITY FIRST ★ 2.7 · 56 reviews	12.03%	11.80%

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

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