Credit Cards · Lowell, Massachusetts

Best Credit Union Credit Card Rates in Lowell, Massachusetts

3 credit unions in Lowell report credit card APRs to the NCUA. Rates range from 9.90% to 15.99%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

9.90%

Lowest Card APR

12.92%

City Average APR

Credit Card APRs — Lowell, Massachusetts

3 credit unions sorted by APR

#	Credit Union	Card APR	Personal Loan APR
1	MILLS42 ★ 4.9 · 198 reviews	9.90%	12.00%
2	ALIGN ★ 4.6 · 100 reviews	12.88%	9.14%
3	JEANNE D'ARC ★ 2.7 · 82 reviews	15.99%	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 Lowell 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 Lowell credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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