Credit Cards · Salem, Virginia

Best Credit Union Credit Card Rates in Salem, Virginia

2 credit unions in Salem report credit card APRs to the NCUA. Rates range from 11.72% to 13.50%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

11.72%

Lowest Card APR

12.61%

City Average APR

Credit Card APRs — Salem, Virginia

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	KEMBA ROANOKE ★ 4.1 · 15 reviews	11.72%	11.34%
2	SALEM VA MEDICAL CENTER ★ 2.7 · 15 reviews	13.50%	9.25%

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

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