Credit Cards · Texarkana, Texas

Best Credit Union Credit Card Rates in Texarkana, Texas

4 credit unions in Texarkana report credit card APRs to the NCUA. Rates range from 8.74% to 12.86%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.74%

Lowest Card APR

10.60%

City Average APR

Credit Card APRs — Texarkana, Texas

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	TEXAR ★ 3.8 · 104 reviews	8.74%	10.32%
2	FEDERAL EMPLOYEES ★ 3.9 · 185 reviews	9.90%	12.93%
3	DOMINO ★ 3.9 · 7 reviews	10.90%	16.44%
4	RED RIVER EMPLOYEES ★ 3.9 · 185 reviews	12.86%	13.73%

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

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