Credit Cards · Hickory, North Carolina

Best Credit Union Credit Card Rates in Hickory, North Carolina

2 credit unions in Hickory report credit card APRs to the NCUA. Rates range from 9.99% to 11.49%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.99%

Lowest Card APR

10.74%

City Average APR

Credit Card APRs — Hickory, North Carolina

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	SHUFORD ★ 4.3 · 31 reviews	9.99%	13.31%
2	HSM ★ 4.7 · 29 reviews	11.49%	12.59%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Hickory could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Hickory credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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