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Credit Cards · Winston Salem, North Carolina

Best Credit Union Credit Card Rates in Winston Salem, North Carolina

3 credit unions in Winston Salem report credit card APRs to the NCUA. Rates range from 11.00% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

11.00%

Lowest Card APR

14.83%

City Average APR

Credit Card APRs — Winston Salem, North Carolina

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1EMERGENCY RESPONDERS

★ 4.3 · 13 reviews

11.00%12.51%
2TRULIANT

★ 4.2 · 471 reviews

15.49%18.00%
3ALLEGACY

★ 4.0 · 336 reviews

18.00%9.85%
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 Winston Salem 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 Winston Salem credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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