Credit union · NCUA insured
CommonCents CU Credit Card Rates
Top CarrotCommonCents CU credit cards start at 14.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How CommonCents CU’s credit card rates compare
Compared with banks and credit unions near Beaumont, TX, where CommonCents CU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
CommonCents CU
14.50%APR
- Up to
- —
CommonCents Credit Card
Lowest rate
Eastex Credit Union
6.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
Golden Triangle Federal Credit Union
8.90%APR
- Up to
- —
CommonCents CU credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where CommonCents CU 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.
CommonCents Credit Card
Rate based on creditworthiness and term of loan. Membership eligibility requires living, working, worshipping, or attending school in Jefferson or Chambers County, having an immediate family member who is a member, or having a business located within Jefferson or Chambers County, plus opening a Regular Shares Savings Account. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.50% | None | Rate based on creditworthiness and term of loan. |
Sources (3)
- commoncentscu.com/credit-cards
- commoncentscu.com/credit-union-credit-card-beaumont
- commoncentscu.com/loan-rates
All captured Oct 7, 2026
Rewards Credit Card
Rate based on creditworthiness and term of loan. Membership eligibility requires living, working, worshipping, or attending school in Jefferson or Chambers County, having an immediate family member who is a member, or having a business located within Jefferson or Chambers County, plus opening a Regular Shares Savings Account. No fee to transfer/upgrade from current CommonCents Credit Card. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.50% | None | Rate based on creditworthiness and term of loan. |
Sources (3)
- commoncentscu.com/credit-cards
- commoncentscu.com/credit-union-credit-card-beaumont
- commoncentscu.com/loan-rates
All captured Oct 7, 2026
Who can join CommonCents CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Jefferson or Chambers County, as well as business entities located in those counties, are eligible for membership.
Family and household
- Individuals who have an immediate family member who is part of the CommonCents Credit Union family are eligible for membership.
Membership information collected October 5, 2026.