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Credit Cards · Columbia, South Carolina

Best Credit Union Credit Card Rates in Columbia, South Carolina

4 credit unions in Columbia report credit card APRs to the NCUA. Rates range from 10.90% to 15.90%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

10.90%

Lowest Card APR

12.66%

City Average APR

Credit Card APRs — Columbia, South Carolina

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1S. C. STATE

★ 3.9 · 49 reviews

10.90%14.95%
2SOUTH CAROLINA NATIONAL GUARD

★ 3.6 · 24 reviews

11.90%18.00%
3CARO

★ 3.9 · 81 reviews

11.95%15.25%
4PALMETTO CITIZENS

★ 4.4 · 107 reviews

15.90%16.48%
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 Columbia 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 Columbia 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 Columbia

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

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