Credit union · NCUA insured
DATCU Credit Card Rates
Top CarrotDATCU credit cards start at 14.25% APR on purchases, after any introductory rate. Rates checked October 6, 2026.
How DATCU’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where DATCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
DATCU
14.25%APR
- Up to
- 17.90% APR
Cash Back Rewards Credit Card
Lowest rate
Service 1st Credit Union
6.00%APR
- Up to
- —
2nd-lowest rate
Unity One Credit Union
8.90%APR
- Up to
- —
DATCU credit card score
63
Credit card score
Higher than 8% of U.S. banks and credit unions
- Purchase APRPurchase APR14.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where DATCU 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.
Cash Back Rewards Credit Card
Rates are based on creditworthiness and are subject to change. APR may vary with the market based on the Prime Rate. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.25%–17.90% | None | Rate for purchases. Rates based on applicant creditworthiness. Zero balance transfer fee. |
Who can join DATCU
This may be incomplete or out of date, so check with the credit union before you apply.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 anyone living or working in Denton, Wise, Cooke, Clay, Montague, Collin, Dallas, Parker, Tarrant, Jack, or Grayson counties in Texas.
Military, government and schools
- Membership is open to students and alumni of Texas Women's University.
- Membership is open to students and alumni of the University of North Texas.
Family and household
- Membership is open to family members of current DATCU members, including parents, children, spouses, siblings, grandparents, grandchildren, stepparents, stepchildren, or stepsiblings.
Membership information collected October 5, 2026.