Credit Cards · Port Neches, Texas

Best Credit Union Credit Card Rates in Port Neches, Texas

2 credit unions in Port Neches report credit card APRs to the NCUA. Rates range from 10.84% to 11.75%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.84%

Lowest Card APR

11.30%

City Average APR

Credit Card APRs — Port Neches, Texas

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MCT ★ 4.9 · 1,196 reviews	10.84%	11.77%
2	NECHES ★ 4.3 · 72 reviews	11.75%	16.50%

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

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