Credit union · NCUA insured
Credit Union of Texas Credit Card Rates
Top CarrotCredit Union of Texas credit cards start at 12.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Credit Union of Texas’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where Credit Union of Texas has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Credit Union of Texas
12.40%APR
- Up to
- 17.90% APR
Mastercard
Lowest rate
Service 1st Credit Union
6.00%APR
- Up to
- —
2nd-lowest rate
Unity One Credit Union
8.90%APR
- Up to
- —
Credit Union of Texas credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Credit Union of Texas 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
Membership required. Variable APR based on creditworthiness and varies with the market based on prime rate. General standalone disclosure schedule.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.15%–17.90% | None | Purchases APR. Based on creditworthiness; variable with prime rate. Balance transfer fee: None. |
| Ongoing | 15.15%–17.90% | None | Balance Transfers and Cash Advances APR. Based on creditworthiness; variable with prime rate. Balance transfer fee: None. Cash advance fee: $10 or 2.00% of the amount of each cash advance, whichever is greater. |
| Ongoing | 12.40%–17.90% | None | Purchases APR. Based on creditworthiness; variable with prime rate. Balance transfer fee: None. |
| Ongoing | 14.40%–17.90% | None | Balance Transfers and Cash Advances APR. Based on creditworthiness; variable with prime rate. Balance transfer fee: None. Cash advance fee: $10 or 2.00% of the amount of each cash advance, whichever is greater. |
Sources (2)
All captured Oct 6, 2026
Platinum Credit Card
Membership required. No annual fees. No balance transfer fee. Average daily balance method. Minimum interest charge $2.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.40%–17.90% | None | APR for Purchases. Based on creditworthiness; variable with the market based on prime rate. |
| Ongoing | 13.40%–17.90% | None | APR for Balance Transfers. Based on creditworthiness; variable with the market based on prime rate. Balance transfer fee: None. |
Sources (1)
- cutx.org/credit-cards/platinum · captured Oct 6, 2026
Secured Credit Card
Membership required. Requires a minimum deposit (backed by Savings balance). Helps build credit. No annual fees. No balance transfer fee. Average daily balance method. Minimum interest charge: None.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.40%–17.90% | None | APR for Purchases. Based on creditworthiness; variable with the market based on prime rate. |
| Ongoing | 13.40%–17.90% | None | APR for Balance Transfers. Based on creditworthiness; variable with the market based on prime rate. Balance transfer fee: None. |
Sources (1)
- cutx.org/credit-cards/secured · captured Oct 6, 2026
Who can join Credit Union of Texas
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.