Credit Cards · Rockville, Maryland

Best Credit Union Credit Card Rates in Rockville, Maryland

3 credit unions in Rockville report credit card APRs to the NCUA. Rates range from 10.25% to 15.45%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

10.25%

Lowest Card APR

13.40%

City Average APR

Credit Card APRs — Rockville, Maryland

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	CAPITAL AREA REALTORS ★ 5.0 · 1 reviews	10.25%	—
2	NATIONAL INSTITUTES OF HEALTH ★ 4.8 · 514 reviews	14.49%	18.00%
3	LAFAYETTE ★ 4.5 · 126 reviews	15.45%	10.37%

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

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