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Credit Cards · Portland, Maine

Best Credit Union Credit Card Rates in Portland, Maine

2 credit unions in Portland report credit card APRs to the NCUA. Rates range from 8.99% to 12.68%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

8.99%

Lowest Card APR

10.84%

City Average APR

Credit Card APRs — Portland, Maine

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1EVERGREEN

★ 3.9 · 53 reviews

8.99%11.99%
2TRUCHOICE

★ 4.2 · 71 reviews

12.68%13.49%
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 Portland 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 Portland credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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