Credit Cards · Connecticut
36 credit unions in Connecticut report credit card APRs to the NCUA. Rates range from 7.99% to 27.25%.
Updated Q1 2026 · NCUA Call Report data
36
CUs Reporting Rates
7.99%
Lowest Card APR
12.65%
State Average APR
28
Cities Covered
36 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | ALBRIGHT Bethel | 7.99% | 6.99% |
| 2 | WATERBURY CONNECTICUT TEACHERS WATERBURY | 8.49% | 8.24% |
| 3 | FD COMMUNITY Waterbury | 8.95% | 11.00% |
| 4 | ACHIEVE FINANCIAL Berlin | 9.83% | 8.99% |
| 5 | COMMUNITY HEALTHCARE Manchester | 9.90% | 8.49% |
| 6 | SKYLINE FINANCIAL Waterbury | 9.90% | 11.70% |
| 7 | CT FIREFIGHTERS HARTFORD | 9.90% | 7.99% |
| 8 | POLICE CREDIT UNION OF CONNECTICUT Hartford | 9.97% | 11.96% |
| 9 | MANCHESTER MUNICIPAL Manchester | 9.99% | 9.87% |
| 10 | METROPOLITAN DISTRICT EMPLOYEES HARTFORD | 9.99% | 9.51% |
| 11 | STATE POLICE CREDIT UNION INC. Meriden | 9.99% | 9.49% |
| 12 | GHA Greenwich | 10.42% | 12.66% |
| 13 | TOBACCO VALLEY TEACHERS Enfield | 10.94% | 10.62% |
| 14 | BRIDGEPORT POLICE Bridgeport | 10.99% | 12.75% |
| 15 | ENFIELD COMMUNITY ENFIELD | 11.90% | 10.75% |
| 16 | TORRINGTON MUNICIPAL AND TEACHERS TORRINGTON | 11.90% | 13.00% |
| 17 | AMERICA'S FIRST NETWORK East Hartford | 11.92% | 11.51% |
| 18 | MEMBERSFIRST CT Meriden | 11.99% | 7.99% |
| 19 | CONNECTICUT STATE EMPLOYEES HARTFORD | 12.40% | 12.90% |
| 20 | FRANKLIN TRUST Hartford | 12.43% | 10.45% |
| 21 | LAWRENCE MEMORIAL HOSPITAL EMPLOYEE New London | 12.90% | 9.99% |
| 22 | PITNEY BOWES EMPLOYEES Shelton | 12.96% | 13.00% |
| 23 | SOUND Norwalk | 12.98% | 12.00% |
| 24 | BRIDGEPORT POST OFFICE Bridgeport | 13.00% | 10.00% |
| 25 | GENERAL ELECTRIC EMPLOYEES Milford | 13.49% | 9.74% |
| 26 | 360 Windsor Locks | 13.70% | 10.53% |
| 27 | DUTCH POINT Wethersfield | 13.75% | 11.49% |
| 28 | NORTHWEST HILLS Torrington | 14.00% | 9.99% |
| 29 | ELLAFI Middletown | 14.95% | 11.99% |
| 30 | MEMBERS Stamford | 14.99% | 11.50% |
| 31 | ASA BLOOMFIELD | 15.00% | 13.50% |
| 32 | AMERICAN EAGLE FINANCIAL EAST HARTFORD | 15.40% | 10.66% |
| 33 | HARTFORD Hartford | 15.40% | 11.50% |
| 34 | UNITED BUSINESS & INDUSTRY Plainville | 18.00% | 9.99% |
| 35 | MUTUAL SECURITY SHELTON | 18.00% | 9.99% |
| 36 | UNITY FINANCIAL New Haven | 27.25% | 11.48% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Connecticut accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Connecticut offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.