Credit union · NCUA insured
Unity One Credit Union Credit Card Rates
Top CarrotUnity One Credit Union credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Unity One Credit Union’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where Unity One Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Unity One Credit Union
8.90%APR
- Up to
- —
VISA Gold Card
Lowest rate
Service 1st Credit Union
6.00%APR
- Up to
- —
3rd-lowest rate
Firefighters First Credit Union
8.99%APR
- Up to
- 16.99% APR
Unity One Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Unity One 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 Classic Card
Must qualify for the lowest rate. Average daily balance method used for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | $10 | Rates quoted as 'as low as'; same rate for purchases, balance transfers, and cash advances; precise rate depends on creditworthiness. |
| Ongoing | 13.90% | $10 | Rate for purchases, balance transfers, and cash advances; precise rate depends on creditworthiness. |
| Ongoing | 15.90% | $10 | Rate for purchases, balance transfers, and cash advances; precise rate depends on creditworthiness. |
| Ongoing | 17.90% | $10 | Rate for purchases, balance transfers, and cash advances; precise rate depends on creditworthiness. |
Sources (3)
- unityone.org/u1cu/media/docume…Disclosures-Combined.pdf
- unityone.org/connect/rates
- unityone.org/borrow/credit-cards
All captured Oct 7, 2026
VISA Gold Card
Must qualify for the lowest rate. Average daily balance method used for purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Rates quoted as 'as low as'; same rate for purchases, balance transfers, and cash advances; precise rate depends on creditworthiness. |
| Ongoing | 8.90% | None | Rate for purchases, balance transfers, and cash advances; precise rate depends on creditworthiness. |
| Ongoing | 9.90% | None | Rate for purchases, balance transfers, and cash advances; precise rate depends on creditworthiness. |
Sources (3)
- unityone.org/u1cu/media/docume…Disclosures-Combined.pdf
- unityone.org/connect/rates
- unityone.org/borrow/credit-cards
All captured Oct 7, 2026
VISA Savings Secured Credit Card
Must qualify for the lowest rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | APR quoted 'as low as' and subject to change; must qualify for the lowest rate. |
Sources (1)
- unityone.org/connect/rates · captured Oct 7, 2026
VISA Starter Card
Must qualify for the lowest rate. For little or no credit history. Must be at least 18 years of age.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.90% | $10 | Rates quoted 'as low as'; same rate for purchases, cash advances and balance transfers. |
Who can join Unity One Credit Union
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 specified counties in Texas and Kansas, or the greater St. Paul, MN community.
Cost to join
- Membership requires opening a savings (share) account with a $5 minimum balance requirement.
Membership information collected October 5, 2026.