Credit Cards · Massachusetts
57 credit unions in Massachusetts report credit card APRs to the NCUA. Rates range from 1.99% to 18.00%.
Updated Q1 2026 · NCUA Call Report data
57
CUs Reporting Rates
1.99%
Lowest Card APR
12.26%
State Average APR
47
Cities Covered
57 credit unions with reported rates, sorted by APR
| # | Credit Union | Card APR | Personal Loan APR |
|---|---|---|---|
| 1 | GFA Gardner | 1.99% | 17.94% |
| 2 | METHUEN Methuen | 8.50% | 11.75% |
| 3 | HTM Haverhill | 8.99% | 11.28% |
| 4 | METROWEST COMMUNITY Framingham | 9.00% | 11.99% |
| 5 | NEW BEDFORD New Bedford | 9.74% | 9.00% |
| 6 | MILLS42 Lowell | 9.90% | 12.00% |
| 7 | LYNN FIREMENS Lynn | 9.90% | 11.01% |
| 8 | WORCESTER FIRE DEPT. WORCESTER | 9.90% | 8.24% |
| 9 | COMMON TRUST Woburn | 9.90% | 11.99% |
| 10 | BURLINGTON MUNICIPAL EMPLOYEES BURLINGTON | 9.90% | 10.82% |
| 11 | MALDEN Malden | 9.90% | 11.00% |
| 12 | CRANBERRY West Wareham | 9.90% | 9.35% |
| 13 | RAH RANDOLPH | 9.99% | 13.62% |
| 14 | THE ANDOVERS Andover | 9.99% | 9.27% |
| 15 | TAUPA LITHUANIAN South Boston | 9.99% | 10.20% |
| 16 | LUSO-AMERICAN Peabody | 10.49% | 7.90% |
| 17 | ALLCOM Worcester | 10.90% | 11.49% |
| 18 | TEWKSBURY Tewksbury | 10.90% | 10.92% |
| 19 | NEW ENGLAND TEAMSTERS Charlestown | 10.99% | 10.50% |
| 20 | MYCOM Pittsfield | 10.99% | 9.31% |
| 21 | WEBSTER FIRST Worcester | 11.25% | 8.15% |
| 22 | ROCKLAND Rockland | 11.46% | 13.11% |
| 23 | FRANKLIN FIRST Greenfield | 11.75% | 6.99% |
| 24 | SANTO CHRISTO FALL RIVER | 11.90% | 8.28% |
| 25 | ATTLEBORO M E Attleboro | 11.90% | 8.56% |
| 26 | NORFOLK COMMUNITY Norfolk | 11.90% | 3.57% |
| 27 | 600 ATLANTIC BOSTON | 11.90% | 12.65% |
| 28 | SOUTHCOAST New Bedford | 11.99% | 6.99% |
| 29 | WESTPORT Westport | 11.99% | 11.25% |
| 30 | STONEHAM MUNICIPAL EMPLOYEES Stoneham | 11.99% | 11.99% |
| 31 | QUINCY Quincy | 12.14% | 14.38% |
| 32 | NESC METHUEN | 12.50% | 16.00% |
| 33 | WORCESTER Worcester | 12.50% | 14.00% |
| 34 | FREEDOM SPRINGFIELD | 12.65% | 12.75% |
| 35 | SHREWSBURY SHREWSBURY | 12.74% | 10.88% |
| 36 | ALIGN Lowell | 12.88% | 9.14% |
| 37 | MEMBERS PLUS Medford | 12.90% | 9.99% |
| 38 | UMASSFIVE COLLEGE Hadley | 13.25% | 12.74% |
| 39 | DIRECT Needham | 13.40% | 15.10% |
| 40 | CENTRAL ONE Shrewsbury | 13.48% | 7.68% |
| 41 | GREATER SPRINGFIELD SPRINGFIELD | 13.50% | 11.09% |
| 42 | GREYLOCK Pittsfield | 13.75% | 18.00% |
| 43 | BOSTON FIREFIGHTERS Dorchester | 13.90% | 7.18% |
| 44 | HANSCOM Hanscom AFB | 13.99% | 11.49% |
| 45 | ST. ANNE'S Fall River | 14.00% | 13.99% |
| 46 | I-C FITCHBURG | 14.53% | 11.06% |
| 47 | METRO Chelsea | 14.74% | 12.90% |
| 48 | LUSO Ludlow | 15.07% | 13.37% |
| 49 | HOLYOKE Holyoke | 15.10% | 10.80% |
| 50 | CITY OF BOSTON South Boston | 15.18% | 11.85% |
| 51 | ALDEN Chicopee | 15.45% | 15.81% |
| 52 | HARVARD Cambridge | 15.50% | 10.75% |
| 53 | SHARON & CRESCENT UNITED SHARON | 15.85% | 11.42% |
| 54 | JEANNE D'ARC Lowell | 15.99% | 18.00% |
| 55 | MASSMUTUAL SPRINGFIELD | 18.00% | 9.75% |
| 56 | BRIGHTBRIDGE LAWRENCE | 18.00% | 10.99% |
| 57 | ST. MICHAELS FALL RIVER Fall River | 18.00% | 11.88% |
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 Massachusetts 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 Massachusetts 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.