Credit Cards · Charlotte, North Carolina
6 credit unions in Charlotte report credit card APRs to the NCUA. Rates range from 9.90% to 14.90%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
9.90%
Lowest Card APR
12.38%
City Average APR
6 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | NOVA ★ 3.3 · 86 reviews | 9.90% | 16.00% |
| 2 | BLUE FLAME ★ 4.5 · 21 reviews | 9.90% | 8.99% |
| 3 | CAROLINA COOPERATIVE ★ 3.4 · 27 reviews | 10.90% | 13.03% |
| 4 | CHARLOTTE FIRE DEPARTMENT ★ 4.4 · 7 reviews | 14.00% | 18.44% |
| 5 | CAROLINAS TELCO ★ 4.4 · 61 reviews | 14.68% | 9.46% |
| 6 | SKYLA ★ 3.8 · 143 reviews | 14.90% | 12.90% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Charlotte could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Charlotte credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.