Credit Cards · North Carolina
45 credit unions in North Carolina report credit card APRs to the NCUA. Rates range from 8.00% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
45
CUs Reporting Rates
8.00%
Lowest Card APR
12.08%
State Average APR
28
Cities Covered
45 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | FIRST CAROLINA PEOPLE'S GOLDSBORO | 8.00% | 8.00% |
| 2 | WEYCO COMMUNITY PLYMOUTH | 9.00% | 12.00% |
| 3 | DUKE UNIVERSITY Durham | 9.90% | 9.25% |
| 4 | BLUE FLAME Charlotte | 9.90% | 8.99% |
| 5 | NOVA CHARLOTTE | 9.90% | 16.00% |
| 6 | ELECTEL COOPERATIVE Raleigh | 9.90% | 12.00% |
| 7 | LION'S SHARE Salisbury | 9.90% | 12.00% |
| 8 | SHUFORD Hickory | 9.99% | 13.31% |
| 9 | TELCO TARBORO | 9.99% | 13.80% |
| 10 | SUMMIT Greensboro | 10.00% | 14.25% |
| 11 | CHAMPION Canton | 10.00% | 11.00% |
| 12 | TELCO COMMUNITY CREDIT UNION Candler | 10.90% | 15.00% |
| 13 | LITHIUM BESSEMER CITY | 10.90% | 12.50% |
| 14 | CAROLINA COOPERATIVE Charlotte | 10.90% | 13.03% |
| 15 | REVITY Greensboro | 10.90% | 12.50% |
| 16 | AMERICAN PARTNERS Reidsville | 10.90% | 15.86% |
| 17 | COASTAL Raleigh | 10.92% | 9.49% |
| 18 | EMERGENCY RESPONDERS Winston Salem | 11.00% | 12.51% |
| 19 | NORTH CAROLINA PRESS ASSOCIATION RALEIGH | 11.25% | 11.50% |
| 20 | HSM HICKORY | 11.49% | 12.59% |
| 21 | WELCOME MORRISVILLE | 11.49% | 10.49% |
| 22 | MARINE Jacksonville | 11.74% | 11.74% |
| 23 | FORT BRAGG Fayetteville | 11.90% | 9.00% |
| 24 | R T P RTP | 12.00% | 11.00% |
| 25 | NORTH CAROLINA COMMUNITY GOLDSBORO | 12.00% | 10.75% |
| 26 | ACCLAIM GREENSBORO | 12.23% | 11.84% |
| 27 | HEALTHSHARE Greensboro | 12.50% | 8.24% |
| 28 | OTEEN V. A. ASHEVILLE | 12.70% | 12.00% |
| 29 | VISION FINANCIAL Durham | 12.95% | 10.50% |
| 30 | INTERNAL REVENUE EMPLOYEES GREENSBORO | 13.00% | 18.00% |
| 31 | SELF-HELP Durham | 13.25% | 16.00% |
| 32 | SELF-HELP DURHAM | 13.25% | 16.00% |
| 33 | CS Catawba | 13.40% | 15.54% |
| 34 | MOUNTAIN Waynesville | 13.41% | 9.01% |
| 35 | CAROLINA CHERRYVILLE | 13.50% | 12.75% |
| 36 | BRAGG MUTUAL Fayetteville | 13.50% | 13.00% |
| 37 | CIVIC RALEIGH | 13.75% | 10.75% |
| 38 | CHARLOTTE FIRE DEPARTMENT Charlotte | 14.00% | 18.44% |
| 39 | STATE EMPLOYEES' RALEIGH | 14.25% | 9.75% |
| 40 | TCP RURAL HALL | 14.25% | 10.90% |
| 41 | CAROLINAS TELCO Charlotte | 14.68% | 9.46% |
| 42 | SKYLA Charlotte | 14.90% | 12.90% |
| 43 | TRULIANT Winston Salem | 15.49% | 18.00% |
| 44 | LATINO COMMUNITY Durham | 16.00% | 16.00% |
| 45 | ALLEGACY Winston Salem | 18.00% | 9.85% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in North Carolina accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in North Carolina offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.