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Credit Cards · Worcester, Massachusetts

Best Credit Union Credit Card Rates in Worcester, Massachusetts

4 credit unions in Worcester report credit card APRs to the NCUA. Rates range from 9.90% to 12.50%.

Updated Q1 2026 · NCUA Call Report data

4

CUs Reporting Rates

9.90%

Lowest Card APR

11.14%

City Average APR

Credit Card APRs — Worcester, Massachusetts

4 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1WORCESTER FIRE DEPT.

★ 5.0 · 2 reviews

9.90%8.24%
2ALLCOM

★ 4.4 · 18 reviews

10.90%11.49%
3WEBSTER FIRST

★ 3.9 · 81 reviews

11.25%8.15%
4WORCESTER

★ 4.2 · 77 reviews

12.50%14.00%
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 Worcester 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 Worcester credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

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Browse All Credit Unions in Worcester

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