Credit union · NCUA insured
Baptist Credit Union Credit Card Rates
Top CarrotBaptist Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Baptist Credit Union’s credit card rates compare
Compared with banks and credit unions near San Antonio, TX, where Baptist Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Baptist Credit Union
10.90%APR
MasterCard Platinum
Lowest rate
CPS IBEW FCU
8.90%APR
2nd-lowest rate
Southwest Research Center Federal Credit Union
8.90%APR
Baptist Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Baptist Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
MasterCard Classic
Rate based on credit worthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Rate based on credit worthiness. 25 days grace period from statement closing date if new balance is paid in full each month by the payment due date. Minimum finance charge: None. Foreign transaction fee up to 1% on international transactions. |
MasterCard Gold
Rate based on credit worthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Rate based on credit worthiness. 25 days grace period from statement closing date if new balance is paid in full each month by the payment due date. Minimum finance charge: None. Foreign transaction fee up to 1% on international transactions. |
Sources (2)
- baptistcu.org/credit-cards/cre…-choices/mastercard-gold
- baptistcu.org/credit-cards/credit-card-choices
All captured Oct 6, 2026
MasterCard Platinum
Rate based on credit worthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Rate based on credit worthiness. 25 days grace period from statement closing date if new balance is paid in full each month by the payment due date. Minimum finance charge: None. Foreign transaction fee up to 1% on international transactions. |
MasterCard Share Secured
Rate based on credit worthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Rate based on credit worthiness. 25 days grace period from statement closing date if new balance is paid in full each month by the payment due date. Minimum finance charge: None. Foreign transaction fee up to 1% on international transactions. |
Who can join Baptist Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Groups associated with Tarrant Baptist Association, North Texas Area Baptist Association, and Bluebonnet Baptist Association are included in the field of membership.
- Employees of any church or institution associated with the Baptist General Convention of Texas (BGCT) are eligible for membership.
- Individual members and member churches of Christian Financial Association of America are eligible for membership.
- Members of churches in the Dallas Baptist Association (DBA) are eligible for membership.
- Employees of the San Antonio Baptist Association (SABA) and employees or members of churches belonging to SABA are eligible for membership.
- Staff of the Southern Baptist of Texas Convention (SBTC), and pastors, staff, and members of SBTC churches are eligible for membership.
1 more way to join
Military, government and schools
- Affiliates of Wayland University (San Antonio), Baptist University of the Americas, or Dallas Baptist University are eligible for membership.
Membership information collected October 5, 2026.