Credit Cards · Odessa, Texas
6 credit unions in Odessa report credit card APRs to the NCUA. Rates range from 6.90% to 15.49%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
6.90%
Lowest Card APR
12.27%
City Average APR
6 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | COMPLEX COMMUNITY ★ 3.5 · 87 reviews | 6.90% | 11.95% |
| 2 | FIRST BASIN ★ 4.7 · 784 reviews | 9.90% | 9.90% |
| 3 | ODESSA EMPLOYEES ★ 5.0 · 3 reviews | 11.90% | 14.15% |
| 4 | SOUTHWEST HERITAGE ★ 3.3 · 25 reviews | 14.14% | 13.05% |
| 5 | WEST TEXAS ★ 3.7 · 6 reviews | 15.29% | 11.93% |
| 6 | SOUTHWEST 66 ★ 3.2 · 40 reviews | 15.49% | 10.47% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Odessa could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Odessa credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.