Credit union · NCUA insured
Members Heritage CU Credit Card Rates
Top CarrotMembers Heritage CU credit cards start at 9.75% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Members Heritage CU’s credit card rates compare
Compared with banks and credit unions near Lexington, KY, where Members Heritage CU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Members Heritage CU
9.75%APR
- Up to
- —
VISA - Set Rate
Lowest rate
Lexington Postal Credit Union
8.25%APR
- Up to
- —
2nd-lowest rate
Transcend Credit Union
8.90%APR
- Up to
- 17.90% APR
Members Heritage CU credit card score
87
Credit card score
Higher than 77% of U.S. banks and credit unions
- Purchase APRPurchase APR9.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Heritage 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.
VISA - Set Rate
Membership eligibility applies (living, working, worshiping, attending school, or having relatives in 22 eligible counties, plus a $5 share deposit). Best for borrowers who want predictability. Rate may vary depending on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.75% | None | Rates as low as 9.75% APR. Rate may vary depending on creditworthiness. No annual fee or balance transfer fee. Fixed/set rate. |
VISA - Variable Rate
Membership eligibility applies (living, working, worshiping, attending school, or having relatives in 22 eligible counties, plus a $5 share deposit). Best for borrowers who want to take advantage of low interest rates. Rate may vary depending on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75% | None | Rates as low as 11.75% APR. Rate may vary depending on creditworthiness. No annual fee or balance transfer fee. Variable rate. |
Who can join Members Heritage CU
This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, or attend school in 22 eligible Kentucky counties (Anderson, Bath, Bourbon, Boyle, Clark, Estill, Fayette, Franklin, Garrard, Harrison, Jessamine, Lincoln, Madison, Menifee, Mercer, Montgomery, Morgan, Nicholas, Powell, Rowan, Scott, and Woodford).
Family and household
- Membership is open to individuals who have family members in the 22 eligible Kentucky counties.
Cost to join
- Opening a share savings account with an initial deposit of as little as $5 is required to establish membership, with no annual membership fees or maintenance charges.
Membership information collected October 4, 2026.