Credit union · NCUA insured
Kemba Charleston Federal Credit Union Credit Card Rates
Kemba Charleston Federal Credit Union credit cards start at 12.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Kemba Charleston Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Charleston, WV, where Kemba Charleston Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Kemba Charleston Federal Credit Union
12.50%APR
MasterCard Credit Card
Lowest rate
Pioneer Appalachia FCU
8.70%APR
2nd-lowest rate
Members Choice WV FCU
9.99%APR
Kemba Charleston Federal Credit Union credit card score
70
Credit card score
Higher than 26% of U.S. banks and credit unions
- Purchase APRPurchase APR12.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Kemba Charleston 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.
MasterCard Credit Card
Up to $5,000.00 credit limit. Rates are subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | $5,000.00 Line of Credit Limit. Rates are subject to change daily. |
| Ongoing | 14.90% | None | The daily periodic rate for purchases, cash advances and balance transfers is 0.0408% which is an ANNUAL PERCENTAGE RATE of 14.9%. Balance transfer ANNUAL PERCENTAGE RATE will continue until the balance is paid off. Minimum payment is 4.5 percent of total new balance, or $25.00, whichever is greater. |
Sources (3)
- kembacharlestonfcu.org/loans/mastercard-disclosure
- kembacharlestonfcu.org/about-us/about/rates
- kembacharlestonfcu.org/loans/personal
All captured Oct 7, 2026
Who can join Kemba Charleston 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who reside, work, worship, or attend school, as well as business entities, in the towns of Dunbar, Institute, and Nitro, WV within zip codes 25064, 25112, or 25143 and census tracts 0101.00-0104.00 or 0106.00 are eligible for membership.
Employers and groups
- Employees of Kroger Co. are eligible for membership.
- Employees and members of designated select employee groups and affiliated organizations are eligible for membership.
Military, government and schools
- Employees of Kanawha County Emergency Ambulance Authority who work in or are paid from Charleston, WV are eligible for membership.
Family and household
- Families of Kroger Co. employees are eligible for membership.
Cost to join
- Opening a primary share account requires a minimum share deposit of $5.00 (par value $5.00).
Membership information collected October 4, 2026.