Credit union · NCUA insured
USE Credit Union Credit Card Rates
Top CarrotUSE Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How USE Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where USE Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
USE Credit Union
9.90%APR
- Annual fee
- None
- Up to
- 12.90% APR
Visa Platinum
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
USE Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where USE 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
Rates based on creditworthiness. Credit line up to $10,000. 25-day interest free grace period on purchases when account is paid in full by due date on previous statement or no previous balance. Average daily balance method used. For California borrowers, card is secured by personal property/pledged shares/shares with the Credit Union. Foreign transaction fee 1.00% of each transaction in U.S. dollars. Late payment fee $20.00 or required minimum payment, whichever is less. Returned payment fee $25.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–12.90% | None | Rates based on creditworthiness; APR options are 9.90%, 11.90%, or 12.90% for purchases. 25-day interest free grace period on purchases paid in full. Zero transaction fees. |
Sources (3)
All captured Oct 6, 2026
Who can join USE 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This may be incomplete or out of date, so check with the credit union before you apply.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 the Houston Metro area or specified surrounding communities are eligible for membership.
Military, government and schools
- U.S. Government Employees are eligible for membership.
Membership information collected October 5, 2026.