Credit Cards · Washington, District of Columbia

Best Credit Union Credit Card Rates in Washington, District of Columbia

18 credit unions in Washington report credit card APRs to the NCUA. Rates range from 6.99% to 18.00%.

Updated Q1 2026 · NCUA Call Report data

18

CUs Reporting Rates

6.99%

Lowest Card APR

11.56%

City Average APR

Credit Card APRs — Washington, District of Columbia

18 credit unions sorted by APR

#Credit UnionCard APRPersonal Loan APR
1HUD

★ 2.5 · 20 reviews

6.99%10.00%
2F R B

★ 3.6 · 13 reviews

9.44%13.93%
3LIBRARY OF CONGRESS

★ 2.9 · 21 reviews

9.75%10.75%
4GOVERNMENT PRINTING OFFICE

★ 4.5 · 42 reviews

9.90%7.75%
5PEPCO

★ 3.1 · 7 reviews

9.99%12.50%
6ADVANTAGE FINANCIAL

★ 4.1 · 14 reviews

10.24%11.49%
7IDB GLOBAL

★ 4.7 · 389 reviews

10.75%9.75%
8DEPARTMENT OF THE INTERIOR

★ 4.8 · 621 reviews

11.00%9.25%
9DEPARTMENT OF COMMERCE

★ 2.5 · 104 reviews

11.09%8.91%
10TREASURY DEPARTMENT

★ 3.4 · 22 reviews

11.50%11.52%
11EP

★ 3.8 · 11 reviews

11.53%12.95%
12DEPT OF LABOR

★ 3.0 · 54 reviews

11.76%13.11%
13GSA

★ 2.1 · 19 reviews

11.88%7.49%
14O.A.S. STAFF

★ 3.5 · 15 reviews

12.75%13.75%
15DC

★ 3.5 · 57 reviews

13.09%13.71%
16DISTRICT OF COLUMBIA TEACHERS

★ 3.8 · 16 reviews

13.50%11.44%
17BANK FUND STAFF

★ 2.2 · 33 reviews

14.99%8.20%
18WRIGHT PATMAN CONGRESSIONAL

★ 2.8 · 23 reviews

18.00%11.49%
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 Washington 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 Washington credit unions require just a small savings deposit — often $5 — to open membership before applying for a card.

Browse All Credit Unions in Washington

See member reviews, branch locations, and full rate details.