Credit Cards · Richmond, Virginia
6 credit unions in Richmond report credit card APRs to the NCUA. Rates range from 8.49% to 16.00%.
Updated Q1 2026 · NCUA Call Report data
6
CUs Reporting Rates
8.49%
Lowest Card APR
11.87%
City Average APR
6 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | CONNECTS ★ 3.3 · 40 reviews | 8.49% | 12.55% |
| 2 | RICHMOND VIRGINIA FIRE POLICE CREDI ★ 5.0 · 2 reviews | 10.85% | 11.83% |
| 3 | CREDIT UNION OF RICHMOND INCORPORAT ★ 3.5 · 85 reviews | 10.99% | 10.74% |
| 4 | CALL ★ 4.3 · 167 reviews | 11.30% | 10.37% |
| 5 | RVA FINANCIAL ★ 3.9 · 190 reviews | 13.58% | 12.61% |
| 6 | VIRGINIA ★ 3.5 · 72 reviews | 16.00% | 8.00% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Richmond could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Richmond credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.