Credit Cards · Midland, Texas

Best Credit Union Credit Card Rates in Midland, Texas

4 credit unions in Midland report credit card APRs to the NCUA. Rates range from 10.56% to 19.90%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.56%

Lowest Card APR

14.24%

City Average APR

Credit Card APRs — Midland, Texas

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	HERITAGE USA ★ 3.8 · 39 reviews	10.56%	11.43%
2	MY COMMUNITY ★ 3.6 · 186 reviews	12.25%	12.74%
3	MTCU ★ 4.7 · 198 reviews	14.25%	14.25%
4	MEMBERS FINANCIAL ★ 3.7 · 30 reviews	19.90%	11.75%

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

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