Credit Cards · Bel Air, Maryland

Best Credit Union Credit Card Rates in Bel Air, Maryland

2 credit unions in Bel Air report credit card APRs to the NCUA. Rates range from 8.99% to 9.45%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

8.99%

Lowest Card APR

9.22%

City Average APR

Credit Card APRs — Bel Air, Maryland

2 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	FREEDOM OF MARYLAND ★ 3.7 · 104 reviews	8.99%	7.24%
2	HAR-CO ★ 4.3 · 151 reviews	9.45%	12.99%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on creditworthiness. ~65% of credit unions report credit card rates.

Lower APR Beats Rewards If You Carry a Balance

On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Bel Air could save you significantly more than any rewards program.

Join First, Then Apply

You must be a member to get a credit union credit card. Most Bel Air credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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