Credit Cards · Temple, Texas

Best Credit Union Credit Card Rates in Temple, Texas

3 credit unions in Temple report credit card APRs to the NCUA. Rates range from 9.75% to 15.49%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.75%

Lowest Card APR

12.38%

City Average APR

Credit Card APRs — Temple, Texas

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SCOTT AND WHITE EMPLOYEES ★ 4.7 · 73 reviews	9.75%	8.25%
2	TEMPLE SANTA FE COMMUNITY ★ 4.2 · 17 reviews	11.90%	12.96%
3	TEXELL ★ 4.7 · 836 reviews	15.49%	17.99%

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

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