Credit Cards · Washington, District of Columbia
18 credit unions in Washington report credit card APRs to the NCUA. Rates range from 6.99% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
18
CUs Reporting Rates
6.99%
Lowest Card APR
11.56%
City Average APR
18 credit unions sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | HUD ★ 2.5 · 20 reviews | 6.99% | 10.00% |
| 2 | F R B ★ 3.6 · 13 reviews | 9.44% | 13.93% |
| 3 | LIBRARY OF CONGRESS ★ 2.9 · 21 reviews | 9.75% | 10.75% |
| 4 | GOVERNMENT PRINTING OFFICE ★ 4.5 · 42 reviews | 9.90% | 7.75% |
| 5 | PEPCO ★ 3.1 · 7 reviews | 9.99% | 12.50% |
| 6 | ADVANTAGE FINANCIAL ★ 4.1 · 14 reviews | 10.24% | 11.49% |
| 7 | IDB GLOBAL ★ 4.7 · 389 reviews | 10.75% | 9.75% |
| 8 | DEPARTMENT OF THE INTERIOR ★ 4.8 · 621 reviews | 11.00% | 9.25% |
| 9 | DEPARTMENT OF COMMERCE ★ 2.5 · 104 reviews | 11.09% | 8.91% |
| 10 | TREASURY DEPARTMENT ★ 3.4 · 22 reviews | 11.50% | 11.52% |
| 11 | EP ★ 3.8 · 11 reviews | 11.53% | 12.95% |
| 12 | DEPT OF LABOR ★ 3.0 · 54 reviews | 11.76% | 13.11% |
| 13 | GSA ★ 2.1 · 19 reviews | 11.88% | 7.49% |
| 14 | O.A.S. STAFF ★ 3.5 · 15 reviews | 12.75% | 13.75% |
| 15 | DC ★ 3.5 · 57 reviews | 13.09% | 13.71% |
| 16 | DISTRICT OF COLUMBIA TEACHERS ★ 3.8 · 16 reviews | 13.50% | 11.44% |
| 17 | BANK FUND STAFF ★ 2.2 · 33 reviews | 14.99% | 8.20% |
| 18 | WRIGHT PATMAN CONGRESSIONAL ★ 2.8 · 23 reviews | 18.00% | 11.49% |
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. A credit union card in Washington could save you significantly more than any rewards program.
You must be a member to get a credit union credit card. Most Washington 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.