Credit union · NCUA insured
My Credit Union Credit Card Rates
My Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How My Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where My Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
My Credit Union
11.90%APR
MasterCard
Lowest rate
Service 1st Credit Union
6.00%APR
2nd-lowest rate
Unity One Credit Union
8.90%APR
My Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where My 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.
Gold MasterCard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | 25-day grace period on purchases if balance paid in full by due date. |
Sources (2)
All captured Oct 7, 2026
MasterCard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | 25-day grace period on purchases if balance paid in full by due date. |
Sources (2)
All captured Oct 7, 2026
MasterCard Share Secured
Secured by shares/deposits with the credit union.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | 25-day grace period on purchases if balance paid in full by due date. |
Sources (2)
All captured Oct 7, 2026
Who can join My Credit Union
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