Credit union · NCUA insured
Lone Star Credit Union Credit Card Rates
Lone Star Credit Union credit cards start at 10.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Lone Star Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where Lone Star Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Lone Star Credit Union
10.95%APR
goodRate Visa
Lowest rate
Service 1st Credit Union
6.00%APR
2nd-lowest rate
Unity One Credit Union
8.90%APR
Lone Star Credit Union credit card score
78
Credit card score
Higher than 47% of U.S. banks and credit unions
- Purchase APRPurchase APR10.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Lone Star 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.
goodRate Visa
No annual fee for LSCU Members. Rates are based on creditworthiness and vary with the market based on the Prime Rate. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.95%–18.00% | None | Standard APR based on creditworthiness, varying with the market based on the U.S. Prime Rate. |
| Intro, 12 months | 1.99% | None | 1.99% APR introductory rate on purchases valid for 12 months from first card issue date. |
| Intro, 18 months | 0.00% | None | 0% introductory APR on balance transfers for 18 months from first card issue date. Balance transfer fee is $10.00 or 3.00% of the amount of each balance transfer, whichever is greater. |
| Ongoing | 10.95% | None | APR as low as 10.95% |
Sources (3)
- lonestarcu.org/loans/rates
- lonestarcu.org/cards/compare-visa-credit-cards
- lonestarcu.org/cards/compare-v…oodrate-visa-credit-card
All captured Oct 6, 2026
goodRewards Visa
No annual fees. Rates are based on creditworthiness and vary with the market based on the Prime Rate. Subject to credit approval. Earn 1.5 points per $1 spent.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.95%–18.00% | None | Standard APR based on creditworthiness, varying with the market based on the U.S. Prime Rate. |
| Intro, 12 months | 1.99% | None | 1.99% APR introductory rate on purchases valid for 12 months from first card issue date. |
| Intro, 18 months | 0.00% | None | 0% introductory APR on balance transfers for 18 months from first card issue date. Balance transfer fee is $10.00 or 3.00% of the amount of each balance transfer, whichever is greater. |
| Ongoing | 15.95% | None | APR as low as 15.95% |
Sources (3)
- lonestarcu.org/loans/rates
- lonestarcu.org/cards/compare-visa-credit-cards
- lonestarcu.org/cards/compare-v…rewards-visa-credit-card
All captured Oct 6, 2026
Who can join Lone Star Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school within Collin or Ellis County are eligible for membership.
- Persons who live or work within the Texas counties of Delta, Hopkins, Hunt, Kaufman, Rains, or Rockwall are eligible for membership.
- Persons who live or work within a 10-mile radius of the Dallas branch are eligible for membership.
Employers and groups
- Employees of a business served by Lone Star Credit Union are eligible for membership.
Family and household
- Family members of individuals who are eligible for membership (or members) are eligible to join.
Cost to join
- A $25 opening deposit into a Savings account is required to become a member.
Membership information collected October 5, 2026.