Credit Cards · Delaware
12 credit unions in Delaware report credit card APRs to the NCUA. Rates range from 9.88% to 15.99%.
Updated Q1 2026 · NCUA Call Report data
12
CUs Reporting Rates
9.88%
Lowest Card APR
12.06%
State Average APR
11
Cities Covered
12 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | COMMUNITY POWERED BEAR | 9.88% | 8.50% |
| 2 | DELAWARE STATE POLICE Georgetown | 9.90% | 10.39% |
| 3 | EDU New Castle | 9.99% | 9.90% |
| 4 | AMERICAN SPIRIT NEWARK | 10.05% | 11.42% |
| 5 | EAGLE ONE Claymont | 10.26% | 13.51% |
| 6 | NEW CASTLE COUNTY DELAWARE EM NEW CASTLE | 12.00% | 11.84% |
| 7 | PROVIDENT DOVER | 12.50% | 14.57% |
| 8 | TIDEMARK Seaford | 12.75% | 11.17% |
| 9 | DEL-ONE Dover | 12.75% | 10.00% |
| 10 | PRIORITY PLUS WILMINGTON | 12.99% | 12.00% |
| 11 | DEXSTA Wilmington | 15.65% | 12.99% |
| 12 | DOVER DOVER | 15.99% | 13.25% |
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 Delaware 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 Delaware 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.