Credit Cards · Laurel, Maryland

Best Credit Union Credit Card Rates in Laurel, Maryland

4 credit unions in Laurel report credit card APRs to the NCUA. Rates range from 10.49% to 15.74%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.49%

Lowest Card APR

12.66%

City Average APR

Credit Card APRs — Laurel, Maryland

4 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	APL ★ 4.7 · 358 reviews	10.49%	11.00%
2	TOWER ★ 2.8 · 178 reviews	10.74%	7.99%
3	W S S C ★ 4.4 · 10 reviews	13.65%	12.75%
4	MARKET USA ★ 3.3 · 94 reviews	15.74%	18.00%

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 Laurel 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 Laurel credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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