Credit Cards · Maryland
43 credit unions in Maryland report credit card APRs to the NCUA. Rates range from 1.99% to 17.99%.
Updated Q1 2026 · NCUA Call Report data
43
CUs Reporting Rates
1.99%
Lowest Card APR
11.96%
State Average APR
33
Cities Covered
43 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MUNICIPAL EMPL.CREDIT UNION OF BALT BALTIMORE | 1.99% | 12.49% |
| 2 | EDUCATIONAL SYSTEMS Greenbelt | 6.75% | 14.99% |
| 3 | CEDAR POINT LEXINGTON PARK | 8.00% | 11.00% |
| 4 | PEAKE Towson | 8.90% | 7.90% |
| 5 | FIRST PEOPLES COMMUNITY CUMBERLAND | 8.98% | 6.50% |
| 6 | FREEDOM OF MARYLAND Bel Air | 8.99% | 7.24% |
| 7 | NYMEO FREDERICK | 9.15% | 17.50% |
| 8 | HAR-CO BEL AIR | 9.45% | 12.99% |
| 9 | DESTINATIONS CREDIT UNION BALTIMORE | 9.50% | 10.69% |
| 10 | POLICE UPPER MARLBORO | 9.82% | 8.67% |
| 11 | JOHNS HOPKINS Baltimore | 9.89% | 12.16% |
| 12 | FIRST FINANCIAL OF MARYLAND Sparks | 9.90% | 18.00% |
| 13 | FIVE STAR OF MARYLAND BALTIMORE | 10.01% | 11.67% |
| 14 | CAPITAL AREA REALTORS Rockville | 10.25% | — |
| 15 | APL Laurel | 10.49% | 11.00% |
| 16 | FEDFINANCIAL Silver Spring | 10.49% | 7.15% |
| 17 | PRINCE GEORGE'S COMMUNITY Bowie | 10.65% | 10.73% |
| 18 | TOWER LAUREL | 10.74% | 7.99% |
| 19 | THIOKOL ELKTON Elkton | 10.90% | 11.99% |
| 20 | FEDCHOICE Lanham | 12.15% | 11.30% |
| 21 | CHESSIE CUMBERLAND | 12.49% | 14.49% |
| 22 | POINT BREEZE Hunt Valley | 12.50% | 18.95% |
| 23 | CENTRAL CREDIT UNION OF MARYLAND,IN Baltimore | 12.65% | 16.88% |
| 24 | FERKO MD Frederick | 12.90% | 10.48% |
| 25 | NASA Upper Marlboro | 12.90% | 9.99% |
| 26 | BULL DOG HAGERSTOWN | 13.00% | 11.68% |
| 27 | SIGNAL FINANCIAL Kensington | 13.25% | 12.70% |
| 28 | SECURITYPLUS Baltimore | 13.50% | 12.06% |
| 29 | I B E W 26 LANHAM | 13.50% | 8.45% |
| 30 | W S S C Laurel | 13.65% | 12.75% |
| 31 | SKYPOINT GERMANTOWN | 13.74% | 10.64% |
| 32 | MID-ATLANTIC Germantown | 13.75% | 11.00% |
| 33 | FIRST EAGLE Owings Mills | 13.80% | 10.99% |
| 34 | U S POSTAL SERVICE CLINTON | 13.96% | 12.26% |
| 35 | NATIONAL INSTITUTES OF HEALTH Rockville | 14.49% | 18.00% |
| 36 | LM BALTIMORE | 14.65% | 8.49% |
| 37 | TRANSIT EMPLOYEES Greenbelt | 14.92% | 11.73% |
| 38 | LAFAYETTE ROCKVILLE | 15.45% | 10.37% |
| 39 | STATE EMPLOYEES CU OF MARYLAND, INC LINTHICUM | 15.49% | 14.49% |
| 40 | MARKET USA LAUREL | 15.74% | 18.00% |
| 41 | ABERDEEN PROVING GROUND ABERDEEN | 16.18% | 9.19% |
| 42 | MONEY ONE LARGO | 16.87% | 14.16% |
| 43 | ANDREWS FEDERAL CREDIT UNION Suitland | 17.99% | 6.99% |
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 Maryland 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 Maryland 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.