Credit union · NCUA insured
Skyla Credit Union Credit Card Rates
Top CarrotSkyla Credit Union credit cards start at 16.15% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Skyla Credit Union’s credit card rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Skyla Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Skyla Credit Union
16.15%APR
Visa Platinum Rewards
Lowest rate
Carolina Cooperative FCU
8.90%APR
2nd-lowest rate
Lion's Share Federal Credit Union
8.90%APR
Skyla Credit Union credit card score
61
Credit card score
Higher than 4% of U.S. banks and credit unions
- Purchase APRPurchase APR16.15%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Skyla 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.
Skyla Wealth Visa Signature
Designed exclusively for well-qualified members participating in the Skyla Wealth program. To qualify, must maintain a minimum balance of $500,000 across Skyla deposit products, in AUM with Skyla Investment and Retirement Services through Ameriprise Financial Advisors, or combined. Variable rate adjusts based on the Prime Rate. Credit limits up to $50,000. 25-day grace period on purchases. No annual fee. Earn 25,000 bonus points when spending $1,000 in the first 90 days.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory rate on purchases during the first 12 months after account opening. |
| Ongoing | 17.15% | None | Variable rate for purchases after the twelfth month; adjusts with the market based on the Prime Rate. Rates subject to change monthly. |
Visa Platinum
No annual fee or balance transfer fee. Credit limits up to $30,000. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory rate for balance transfers during the first 12 months after account opening. No balance transfer fee. |
| Ongoing | 15.15% | None | Variable rate for balance transfers after the twelfth month; adjusts with the market based on the Prime Rate. Rates subject to change monthly. |
Sources (3)
All captured Oct 4, 2026
Visa Platinum Rewards
No annual fee. 1X rewards on every $1 spent. 10,000 bonus points with $1,000 spend in 90 days (for accounts not opened prior to October 1, 2023). Flexible credit limits up to $25,000 (page 34 lists up to $30,000).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory rate on purchases during the first 12 months after account opening. |
| Ongoing | 16.15% | None | Variable rate for purchases after the twelfth month; adjusts with the market based on the Prime Rate. Rates subject to change monthly. |
Sources (3)
All captured Oct 4, 2026
Visa Platinum Secured
Deposit funds into savings account to determine credit limit. Flexible credit limits up to $25,000. Fixed rate. No annual fee. Optional checking account overdraft protection. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.95% | None | Fixed rate APR. Deposit funds into savings account to determine credit limit. Standard underwriting terms and conditions apply. |
Sources (3)
All captured Oct 4, 2026
Visa Signature
Built for well-qualified borrowers. No annual fee. 2X rewards on every $1 spent. 25,000 bonus points when spending $1,000 in 90 days. Flexible credit limits up to $50,000. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory rate on purchases during the first 12 months after account opening. |
| Ongoing | 17.15% | None | Variable rate for purchases after the twelfth month; adjusts with the market based on the Prime Rate. Rates subject to change monthly. |
Sources (3)
All captured Oct 4, 2026
Who can join Skyla Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Eligible to join via partner association, the American Consumer Council (ACC).
Membership information collected October 4, 2026.