Credit union · NCUA insured
Lexington Postal Credit Union Credit Card Rates
Top CarrotLexington Postal Credit Union credit cards start at 8.25% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Lexington Postal Credit Union’s credit card rates compare
Compared with banks and credit unions near Lexington, KY, where Lexington Postal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Lexington Postal Credit Union
8.25%APR
- Up to
- —
VISA Credit Card
2nd-lowest rate
Transcend Credit Union
8.90%APR
- Up to
- 17.90% APR
3rd-lowest rate
Members Heritage CU
9.75%APR
- Up to
- —
Lexington Postal Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lexington Postal 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.
VISA Credit Card
No annual fee. Base rate is 8.75% APR based upon Experian credit score and credit union grade tiers. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.25% | None | Credit Union Grade A plus; Rate Structure: Base Rate - .50% (Base Rate 8.75% APR); VISA Credit Limit up to $15,000 |
| Ongoing | 8.75% | None | Credit Union Grade A; Rate Structure: Base Rate (8.75% APR); VISA Credit Limit up to $10,000 |
| Ongoing | 11.75% | None | Credit Union Grade B; Rate Structure: Base Rate +3.00% (Base Rate 8.75% APR); VISA Credit Limit up to $7,500 |
| Ongoing | 15.75% | None | Credit Union Grade C; Rate Structure: Base Rate +7.00% (Base Rate 8.75% APR); VISA Credit Limit up to $4,000 |
| Ongoing | 18.75% | None | Credit Union Grade D; Rate Structure: Base Rate +10.00% (Base Rate 8.75% APR); VISA Credit Limit up to $2,500 |
Who can join Lexington Postal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, or attends church in Fayette County or any county within the Bluegrass Area Development District is eligible to join.
Family and household
- Immediate family members of current members, including mothers, fathers, brothers, sisters, grandparents, aunts, and uncles, are eligible for membership.
Cost to join
- Members must deposit and maintain a minimum balance of $20 in a Share Savings Account.
Membership information collected October 4, 2026.