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Credit Cards · Raleigh, North Carolina

Best Credit Union Credit Card Rates in Raleigh, North Carolina

5 credit unions in Raleigh report credit card APRs to the NCUA. Rates range from 9.90% to 14.25%.

Updated Q1 2026 · NCUA Call Report data

5

CUs Reporting Rates

9.90%

Lowest Card APR

12.01%

City Average APR

Credit Card APRs — Raleigh, North Carolina

5 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1ELECTEL COOPERATIVE

★ 2.7 · 7 reviews

9.90%12.00%
2COASTAL

★ 4.4 · 6,206 reviews

10.92%9.49%
3NORTH CAROLINA PRESS ASSOCIATION

★ 3.0 · 2 reviews

11.25%11.50%
4CIVIC

★ 1.5 · 302 reviews

13.75%10.75%
5STATE EMPLOYEES'

★ 3.4 · 20 reviews

14.25%9.75%
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 Raleigh 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 Raleigh credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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