Credit union · NCUA insured
Carolina Federal Credit Union Credit Card Rates
Carolina Federal Credit Union credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Carolina Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolina Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Carolina Federal Credit Union
13.50%APR
- Up to
- 18.00% APR
Visa Credit Card
Lowest rate
Carolina Cooperative FCU
8.90%APR
- Up to
- —
2nd-lowest rate
Lion's Share Federal Credit Union
8.90%APR
- Up to
- —
Carolina Federal Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Carolina Federal Credit Union 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.
Visa Credit Card
Rates are non-variable and based on an evaluation of credit history. Actual rate/APR determined by credit score and rate discounts up to 0.75% (excluding promotions). Minimum share balance of $25.00 required; a fee is assessed on all accounts below this minimum.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50%–18.00% | None | Non-variable rate based on credit history and rate discounts up to 0.75% (excluding promotions). 25-day grace period for purchases. Same interest rate applies to cash advances and balance transfers. Minimum share balance $25.00 (fee assessed on accounts below minimum). |
Sources (2)
All captured Oct 4, 2026
Who can join Carolina Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, goes to school, or worships in Gaston or Cleveland County.
Employers and groups
- Membership is open to eligible employees and retirees of sponsored/partnered companies and associations.
Family and household
- Membership is open to all family members of eligible individuals.
Membership information collected October 4, 2026.