Credit Cards · Lynchburg, Virginia

Best Credit Union Credit Card Rates in Lynchburg, Virginia

3 credit unions in Lynchburg report credit card APRs to the NCUA. Rates range from 9.99% to 15.25%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.99%

Lowest Card APR

12.91%

City Average APR

Credit Card APRs — Lynchburg, Virginia

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	LYNCHBURG MUNICIPAL EMPLOYEES ★ 3.9 · 31 reviews	9.99%	11.05%
2	BEACON CREDIT UNION, INCORPORATED ★ 4.6 · 267 reviews	13.50%	18.50%
3	CENTRAL VIRGINIA ★ 3.2 · 34 reviews	15.25%	11.54%

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

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