Credit Cards · Roanoke, Virginia

Best Credit Union Credit Card Rates in Roanoke, Virginia

3 credit unions in Roanoke report credit card APRs to the NCUA. Rates range from 9.79% to 10.50%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.79%

Lowest Card APR

10.04%

City Average APR

Credit Card APRs — Roanoke, Virginia

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	BLUE EAGLE ★ 4.9 · 513 reviews	9.79%	9.71%
2	FREEDOM FIRST ★ 3.6 · 36 reviews	9.82%	12.35%
3	ROANOKE VALLEY COMMUNITY ★ 4.3 · 106 reviews	10.50%	9.50%

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

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