M

Credit Cards · Charleston, West Virginia

Best Credit Union Credit Card Rates in Charleston, West Virginia

5 credit unions in Charleston report credit card APRs to the NCUA. Rates range from 9.40% to 15.00%.

Updated Q1 2026 · NCUA Call Report data

5

CUs Reporting Rates

9.40%

Lowest Card APR

11.59%

City Average APR

Credit Card APRs — Charleston, West Virginia

5 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1CHARLESTON POSTAL

★ 4.2 · 6 reviews

9.40%12.93%
2MEMBERS CHOICE WV

★ 4.1 · 36 reviews

9.99%12.23%
3PIONEER APPALACHIA

★ 3.7 · 37 reviews

11.36%12.18%
4ELEMENT

★ 4.3 · 35 reviews

12.22%13.90%
5THE STATE

★ 3.2 · 25 reviews

15.00%10.00%
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.

Also Compare in Charleston

Best Car Loan Rates →Best Personal Loan Rates →All of West Virginia →

Browse All Credit Unions in Charleston

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

Credit Unions in Charleston →All of West Virginia →