Credit union · NCUA insured
City Credit Union Credit Card Rates
City Credit Union credit cards start at 12.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How City Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where City Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
City Credit Union
12.99%APR
Platinum Mastercard®
Lowest rate
Service 1st Credit Union
6.00%APR
2nd-lowest rate
Unity One Credit Union
8.90%APR
City Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR12.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where City 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.
Platinum Mastercard®
Rates based on creditworthiness. Balance calculation uses average daily balance including new purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99% | None | Variable Rate. Rates as low as 12.99% APR*. Late fee up to $25. Returned payment fee up to $25. Average daily balance including new purchases. |
One more rate on its site comes from an older rate sheet (2023) and isn’t shown as current.
Sources (3)
All captured Oct 16, 2026
Share-Secure Mastercard
Secured by City CU savings account. Minimum $375 available in savings account to open; initial credit limit is $300 with 125% ($375) held as collateral. Interest rate based on credit score. Balance calculation uses average daily balance including new purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–17.99% | None | Variable Rate. Rates as low as (APR*) 12.99 - 17.99%. Late fee up to $25. Returned payment fee up to $25. Average daily balance including new purchases. |
Who can join City Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Dallas, Collin, Denton, Tarrant, Rockwall, Kaufman, Ellis, Grayson, Cooke, Hunt, Parker, Wise, and Johnson counties in Texas.
Employers and groups
- Membership is open to individuals who work for or belong to one of City CU's Select Employer Groups (SEG).
Family and household
- Membership is open to individuals who have a family member who is a City CU member.
Membership information collected October 5, 2026.