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Credit Cards · Virginia Beach, Virginia

Best Credit Union Credit Card Rates in Virginia Beach, Virginia

3 credit unions in Virginia Beach report credit card APRs to the NCUA. Rates range from 10.33% to 15.49%.

Updated Q1 2026 · NCUA Call Report data

3

CUs Reporting Rates

10.33%

Lowest Card APR

12.77%

City Average APR

Credit Card APRs — Virginia Beach, Virginia

3 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1VA BEACH POSTAL

★ 4.6 · 7 reviews

10.33%13.48%
2BEACH MUNICIPAL

★ 3.4 · 35 reviews

12.49%10.95%
3CHARTWAY

★ 4.1 · 31 reviews

15.49%12.24%
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 Virginia Beach 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 Virginia Beach credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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