Credit union · NCUA insured
Southwest Heritage Credit Union Credit Card Rates
Southwest Heritage Credit Union credit cards start at 14.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Southwest Heritage Credit Union’s credit card rates compare
Compared with banks and credit unions near Odessa, TX, where Southwest Heritage Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Southwest Heritage Credit Union
14.00%APR
- Up to
- 15.00% APR
Visa Platinum
Lowest rate
Complex Community Federal Credit Union
6.90%APR
- Up to
- —
2nd-lowest rate
First Basin Credit Union
9.90%APR
- Up to
- —
Southwest Heritage Credit Union credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR14.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southwest Heritage 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 Platinum
Rate is determined by credit score (risk-based pricing applies) and debt ratio. You must provide proof of income with your application. Member Reward Discount does not apply to credit cards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00%–15.00% | None | For shopping, entertainment and travel purchases. Stated as 14.00% or 15.00% (14.00%-15.00%). Rate is based on credit history and debt ratio; subject to credit approval. Member Reward Discount does not apply. |
Who can join Southwest Heritage Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Ector, Midland, Andrews, Crane, Ward, or Winkler Counties qualify for membership.
Family and household
- Immediate family members of current Southwest Heritage Credit Union members are eligible for membership.
Cost to join
- A minimum $25.00 deposit in a regular share account is required to maintain membership.
Membership information collected October 5, 2026.