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Credit Cards · Chambersburg, Pennsylvania

Best Credit Union Credit Card Rates in Chambersburg, Pennsylvania

2 credit unions in Chambersburg report credit card APRs to the NCUA. Rates range from 9.50% to 10.99%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

9.50%

Lowest Card APR

10.25%

City Average APR

Credit Card APRs — Chambersburg, Pennsylvania

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
11ST ED CREDIT UNION

★ 4.0 · 24 reviews

9.50%11.15%
2PATRIOT

★ 4.2 · 232 reviews

10.99%12.74%
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 Chambersburg 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 Chambersburg credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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