Credit Cards · Durham, North Carolina
5 credit unions in Durham report credit card APRs to the NCUA. Rates range from 9.90% to 16.00%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
9.90%
Lowest Card APR
13.07%
City Average APR
5 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | DUKE UNIVERSITY | 9.90% | 9.25% |
| 2 | VISION FINANCIAL ★ 3.9 · 77 reviews | 12.95% | 10.50% |
| 3 | SELF-HELP ★ 2.5 · 37 reviews | 13.25% | 16.00% |
| 4 | SELF-HELP ★ 2.5 · 37 reviews | 13.25% | 16.00% |
| 5 | LATINO COMMUNITY ★ 3.5 · 95 reviews | 16.00% | 16.00% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Durham could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Durham 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.