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Credit Cards · Germantown, Maryland

Best Credit Union Credit Card Rates in Germantown, Maryland

2 credit unions in Germantown report credit card APRs to the NCUA. Rates range from 13.74% to 13.75%.

Updated Q1 2026 · NCUA Call Report data

2

CUs Reporting Rates

13.74%

Lowest Card APR

13.75%

City Average APR

Credit Card APRs — Germantown, Maryland

2 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1SKYPOINT

★ 3.3 · 55 reviews

13.74%10.64%
2MID-ATLANTIC

★ 2.5 · 53 reviews

13.75%11.00%
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 Germantown 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 Germantown credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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