Credit Cards · Waco, Texas
8 credit unions in Waco report credit card APRs to the NCUA. Rates range from 7.54% to 14.44%.
Updated Q1 2026 · NCUA Call Report data
8
CUs Reporting Rates
7.54%
Lowest Card APR
10.63%
City Average APR
8 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MCLENNAN COUNTY EMPLOYEES ★ 5.0 · 6 reviews | 7.54% | 13.50% |
| 2 | MEMBERS CHOICE OF CENTRAL TEXAS ★ 3.1 · 90 reviews | 9.25% | 9.75% |
| 3 | LINKAGE ★ 4.8 · 39 reviews | 9.99% | 11.56% |
| 4 | EDUCATORS ★ 3.7 · 48 reviews | 9.99% | 9.90% |
| 5 | GENCO ★ 4.7 · 518 reviews | 10.26% | 11.96% |
| 6 | 1ST UNIVERSITY ★ 4.9 · 185 reviews | 11.09% | 11.40% |
| 7 | WACO ★ 4.5 · 19 reviews | 12.50% | 12.00% |
| 8 | FIRST CENTRAL ★ 4.5 · 208 reviews | 14.44% | 18.05% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Waco could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Waco 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.