Credit Cards · Maine
40 credit unions in Maine report credit card APRs to the NCUA. Rates range from 2.49% to 17.75%.
Updated Q1 2026 · NCUA Call Report data
40
CUs Reporting Rates
2.49%
Lowest Card APR
11.05%
State Average APR
33
Cities Covered
40 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | ATLANTIC REGIONAL South Portland | 2.49% | 13.75% |
| 2 | DIRIGO Lewiston | 5.95% | 10.85% |
| 3 | OXFORD MEXICO | 6.90% | 18.00% |
| 4 | SACO VALLEY Saco | 7.32% | 10.48% |
| 5 | LINCOLN MAINE LINCOLN | 7.99% | 9.49% |
| 6 | KSW WATERVILLE | 8.50% | 13.27% |
| 7 | TOWN & COUNTRY SOUTH PORTLAND | 8.90% | 11.74% |
| 8 | EVERGREEN Portland | 8.99% | 11.99% |
| 9 | BANGOR Bangor | 9.15% | 10.25% |
| 10 | LISBON COMMUNITY Lisbon | 9.81% | 11.99% |
| 11 | CENTRAL MAINE Lewiston | 9.90% | 10.00% |
| 12 | EASTMILL EAST MILLINOCKE | 9.90% | 8.88% |
| 13 | GARDINER Gardiner | 9.90% | 16.00% |
| 14 | SEBASTICOOK VALLEY PITTSFIELD | 9.90% | 11.25% |
| 15 | OTIS Jay | 9.90% | 9.75% |
| 16 | NORSTATE Madawaska | 10.90% | 11.90% |
| 17 | ACADIA FORT KENT | 10.90% | 11.90% |
| 18 | MAINE SAVINGS Hampden | 10.99% | 11.50% |
| 19 | ANCORUM Bath | 11.25% | 6.00% |
| 20 | CAPITAL AREA Augusta | 11.30% | 11.59% |
| 21 | THE COUNTY Presque Isle | 11.31% | 11.95% |
| 22 | UNIVERSITY Orono | 11.49% | 9.99% |
| 23 | WINTHROP AREA WINTHROP | 11.50% | 9.00% |
| 24 | CASCO Gorham | 11.53% | 9.30% |
| 25 | PEOPLESCHOICE Biddeford | 11.58% | 11.69% |
| 26 | K V Augusta | 11.90% | 13.50% |
| 27 | CONNECTED AUGUSTA | 11.99% | 12.26% |
| 28 | TRADEMARK Augusta | 12.25% | 8.69% |
| 29 | TRUCHOICE PORTLAND | 12.68% | 13.49% |
| 30 | SEABOARD BUCKSPORT | 12.90% | 11.90% |
| 31 | MIDCOAST Freeport | 12.99% | 17.99% |
| 32 | DOWNEAST Baileyville | 13.23% | 10.63% |
| 33 | KATAHDIN Millinocket | 13.41% | 10.87% |
| 34 | COMMUNITY Lewiston | 13.90% | 14.75% |
| 35 | MAINE FAMILY Lewiston | 13.90% | 10.00% |
| 36 | MILESTONES Lewiston | 13.90% | 7.99% |
| 37 | MAINE HIGHLANDS Dexter | 13.90% | 12.99% |
| 38 | BREWER BREWER | 13.99% | 15.99% |
| 39 | MAINE STATE Augusta | 14.90% | 12.99% |
| 40 | CUMBERLAND COUNTY Falmouth | 17.75% | 10.65% |
Credit unions are member-owned nonprofits. Instead of returning profits to shareholders, they pass savings back to members in the form of lower loan rates — including credit cards. The average credit union card APR is typically 4–6 percentage points lower than bank cards.
You must be a member first. Most community credit unions in Maine accept anyone who lives, works, or worships in their service area. Once you join (often with just a $5 savings deposit), you can apply for any product they offer.
These rates come from NCUA Call Report (5300) filings — the quarterly financial data all federally insured credit unions must submit to their regulator. They reflect each credit union's reported weighted-average card APR. Your actual rate will depend on your credit score and the specific card product offered.
Many do — cash back, points, or miles — but the focus is on low rates rather than maximum rewards programs. If you carry a balance, the lower APR will save you far more than rewards points. If you pay in full monthly, compare rewards programs alongside the APR.
On a $3,000 balance, a 10% APR vs. 20% APR saves $300/year in interest. No rewards program comes close to that. Credit union cards are the right call if you ever carry a balance.
Many credit unions in Maine offer balance transfer options to move high-rate bank card debt onto a lower-APR credit union card. Ask about transfer fees and promotional rates when you apply.
See all credit unions by city, filter by rates, and check Google ratings.