Credit union · NCUA insured
Summit Credit Union Credit Card Rates
Top CarrotSummit Credit Union credit cards start at 8.95% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Summit Credit Union’s credit card rates compare
Compared with banks and credit unions near Greensboro, NC, where Summit Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Summit Credit Union
8.95%APR
- Up to
- 16.95% APR
Visa® Platinum
2nd-lowest rate
American Partners Federal Credit Union
9.90%APR
- Up to
- —
3rd-lowest rate
Nova Credit Union
9.90%APR
- Up to
- —
Summit Credit Union credit card score
89
Credit card score
Higher than 86% of U.S. banks and credit unions
- Purchase APRPurchase APR8.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Summit 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.
Credit Builder Visa® Credit Card
Must be a member of Summit Credit Union to apply (open a new Savings account with at least $5 deposit). Secured revolving line credit card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.95%–16.95% | None | Secured credit card; APR range for purchases, balance transfers, and cash advances is 8.95% to 16.95% per disclosure schedule (table lists 16.95%). No annual fee. |
Visa® Platinum
Must be a member of Summit Credit Union to apply (open a new Savings account with at least $5 deposit). Rates are non-variable and based on credit scoring criteria/evaluation of credit history. Repayment terms of 2% of outstanding balance or $25, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.95%–16.95% | None | Non-variable APR for purchases, balance transfers, and cash advances. No annual fee. |
Sources (4)
- summitcu.org/credit-card
- summitcu.org/disclosure/credit-card
- summitcu.org/spend/credit-cards
- summitcu.org/learn/loan-rates
All captured Oct 4, 2026
Visa® Platinum Rewards
Must be a member of Summit Credit Union to apply (open a new Savings account with at least $5 deposit). Rates are non-variable and based on credit scoring criteria/evaluation of credit history. Repayment terms of 2% of outstanding balance or $25, whichever is greater.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95%–17.95% | None | Non-variable APR for purchases, balance transfers, and cash advances. No annual fee. |
Sources (4)
- summitcu.org/credit-card
- summitcu.org/disclosure/credit-card
- summitcu.org/spend/credit-cards
- summitcu.org/learn/loan-rates
All captured Oct 4, 2026
Who can join Summit Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of over 300 North Carolina business partners are eligible for membership.
Family and household
- Immediate family members of employees of qualifying business partners are eligible for membership.
Cost to join
- Establishing membership requires opening a savings account with a deposit of at least $5.
Membership information collected October 4, 2026.