Credit Cards · West Virginia
29 credit unions in West Virginia report credit card APRs to the NCUA. Rates range from 7.99% to 29.00%.
Updated Q1 2026 · NCUA Call Report data
29
CUs Reporting Rates
7.99%
Lowest Card APR
12.06%
State Average APR
17
Cities Covered
29 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | 167TH TFR Martinsburg | 7.99% | 9.50% |
| 2 | MARTINSBURG V.A. CENTER KEARNEYSVILLE | 9.00% | 9.00% |
| 3 | BAYER HERITAGE New Martinsvill | 9.25% | 12.25% |
| 4 | HUNTINGTON C & O RAILWAY EMPLOYEES Huntington | 9.25% | 9.25% |
| 5 | CHARLESTON POSTAL CHARLESTON | 9.40% | 12.93% |
| 6 | RAVENSWOOD RAVENSWOOD | 9.90% | 11.97% |
| 7 | HUNTINGTONIZED Huntington | 9.90% | 13.23% |
| 8 | NATRIUM EMPLOYEES Proctor | 9.90% | 10.00% |
| 9 | MEMBERS CHOICE WV Charleston | 9.99% | 12.23% |
| 10 | WVU EMPLOYEES Morgantown | 9.99% | 12.26% |
| 11 | HANCOCK SCHOOL EMP. Weirton | 10.50% | 15.00% |
| 12 | LONG REACH Middlebourne | 10.90% | 9.84% |
| 13 | FIRST PRIORITY Huntington | 10.95% | 8.74% |
| 14 | PIONEER APPALACHIA Charleston | 11.36% | 12.18% |
| 15 | EASTERN PANHANDLE Martinsburg | 11.70% | 8.98% |
| 16 | PACE Huntington | 11.90% | 8.50% |
| 17 | STRIP STEEL COMMUNITY WEIRTON | 12.00% | 11.00% |
| 18 | UNION TRADES Parkersburg | 12.06% | 12.35% |
| 19 | ELEMENT Charleston | 12.22% | 13.90% |
| 20 | MOUNTAIN HERITAGE PARKERSBURG | 12.50% | 11.75% |
| 21 | KEMBA CHARLESTON Dunbar | 12.50% | 12.60% |
| 22 | HOME Clarksburg | 12.90% | 12.39% |
| 23 | METRO COMMUNITY Huntington | 12.99% | 11.27% |
| 24 | MORGANTOWN A E S Morgantown | 13.00% | 13.07% |
| 25 | IBEW 317 Huntington | 13.82% | 12.49% |
| 26 | FIRST CHOICE AMERICA COMMUNITY Weirton | 14.80% | 11.81% |
| 27 | THE STATE CHARLESTON | 15.00% | 10.00% |
| 28 | CAPE Clarksburg | 15.00% | 16.99% |
| 29 | OHIO COUNTY PUBLIC SCHOOLS WHEELING | 29.00% | 13.00% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in West Virginia accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in West Virginia offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.