Credit union · NCUA insured
Carolina Cooperative FCU Credit Card Rates
Top CarrotCarolina Cooperative FCU credit cards start at 8.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Carolina Cooperative FCU’s credit card rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolina Cooperative FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Carolina Cooperative FCU
8.90%APR
Select VISA® Credit Card
2nd-lowest rate
Lion's Share Federal Credit Union
8.90%APR
3rd-lowest rate
Blue Flame Credit Union
9.90%APR
Carolina Cooperative FCU credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carolina Cooperative FCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic VISA® Credit Card
Fixed rate. 25-day grace period on purchases. Credit limit is determined by member creditworthiness. Limits are classified as signature loans.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed rate. Cash advance APR does not increase. 25-day grace period on purchases. Earn points on all purchases towards rewards. |
Sources (3)
All captured Oct 4, 2026
Secured VISA® Credit Card
Secured by savings for members who cannot qualify for the normal card and need help rebuilding credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Secured by savings. Earn points and purchase gifts. Revolving. |
Sources (3)
All captured Oct 4, 2026
Select VISA® Credit Card
Fixed rate. 25-day grace period on purchases. Credit limit is determined by member creditworthiness. Limits are classified as signature loans.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Fixed rate. Cash advance APR does not increase. 25-day grace period on purchases. Earn points on all purchases towards rewards. |
Sources (3)
All captured Oct 4, 2026
Who can join Carolina Cooperative FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or study in the majority of Gaston County are eligible for membership.
Employers and groups
- Employees or anyone drawing income from many different Select Employee Groups (SEGs) are eligible for membership.
Family and household
- Family of members (defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, and adoptive relationships) are eligible for membership.
- Household members living in the same residence maintaining a single economic unit with a member are eligible for membership.
Membership information collected October 4, 2026.