Credit Cards · Charleston, South Carolina

Best Credit Union Credit Card Rates in Charleston, South Carolina

2 credit unions in Charleston report credit card APRs to the NCUA. Rates range from 12.90% to 13.40%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

12.90%

Lowest Card APR

13.15%

City Average APR

Credit Card APRs — Charleston, South Carolina

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	LATITUDE 32 ★ 2.8 · 66 reviews	12.90%	13.70%
2	REV ★ 4.3 · 252 reviews	13.40%	17.75%

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

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Browse All Credit Unions in Charleston

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