Credit Cards · Baltimore, Maryland
7 credit unions in Baltimore report credit card APRs to the NCUA. Rates range from 1.99% to 14.65%.
Updated Q1 2026 · NCUA Call Report data
7
CUs Reporting Rates
1.99%
Lowest Card APR
10.31%
City Average APR
7 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | MUNICIPAL EMPL.CREDIT UNION OF BALT ★ 2.0 · 239 reviews | 1.99% | 12.49% |
| 2 | DESTINATIONS CREDIT UNION ★ 4.1 · 80 reviews | 9.50% | 10.69% |
| 3 | JOHNS HOPKINS ★ 3.8 · 162 reviews | 9.89% | 12.16% |
| 4 | FIVE STAR OF MARYLAND ★ 4.6 · 16 reviews | 10.01% | 11.67% |
| 5 | CENTRAL CREDIT UNION OF MARYLAND,IN ★ 2.9 · 25 reviews | 12.65% | 16.88% |
| 6 | SECURITYPLUS ★ 4.0 · 129 reviews | 13.50% | 12.06% |
| 7 | LM ★ 4.1 · 16 reviews | 14.65% | 8.49% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Baltimore could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Baltimore credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.
See member reviews, branch locations, and full rate details.