M

Credit Cards · Waynesville, North Carolina

Best Credit Union Credit Card Rates in Waynesville, North Carolina

1 credit union in Waynesville report credit card APRs to the NCUA. Lowest rate: 13.41%.

Updated Q1 2026 · NCUA Call Report data

1

CUs Reporting Rates

13.41%

Lowest Card APR

13.41%

City Average APR

Credit Card APRs — Waynesville, North Carolina

1 credit union sorted by APR

#Credit UnionCard APRPersonal Loan APR
1MOUNTAIN

★ 4.0 · 96 reviews

13.41%9.01%
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 Waynesville 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 Waynesville credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Also Compare in Waynesville

Best Car Loan Rates →Best Personal Loan Rates →All of North Carolina →

Browse All Credit Unions in Waynesville

See member reviews, branch locations, and full rate details.

Credit Unions in Waynesville →All of North Carolina →