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Loan rates on the call report · Q2 2026 call reports

Credit union credit card rate

Interest rate reported for unsecured credit card loans. The median across all 2,821 credit unions reporting it was 11.50% for the quarter ended June 30, 2026. Among those with $25.0 million or more in assets, the middle half ran from 9.90% to 13.24% (median 11.50%).

Why it matters

This is the rate each credit union reported for its credit cards. Federal credit unions face an interest rate ceiling set by NCUA, which keeps their card rates below many banks'.

How it is calculated

The unsecured credit card interest rate entered on the call report, shown only for credit unions that hold card balances.

NCUA 5300 call report accounts: ACCT_521 (interest rate, unsecured credit cards) · ACCT_396 (unsecured credit card loans). Methodology

How credit unions are spread

Distribution of credit card rate, Q2 2026 2,495 credit unions with $25.0 million or more in assets. Middle half from 9.90% to 13.24%, median 11.50%. 6.90% median 11.50% 18.00%
2,495 credit unions with $25.0 million or more in assets. Shaded: the middle half. Line: the median. The most extreme 1% at each end (42 credit unions) are left off the chart.

By NCUA peer group

AssetsCount25th pctMedian75th pct
Under $2 million in assets314.84%14.88%14.94%
$2 million to $10 million759.90%11.90%12.99%
$10 million to $50 million6459.90%10.99%12.90%
$50 million to $100 million4749.90%10.75%12.48%
$100 million to $500 million9279.90%11.02%12.96%
$500 million and up69710.96%12.74%14.66%

Lowest credit card rate

Using the rules of the national ranking. See the top 100.

  1. Municipal Empl.credit Union of Balt Baltimore, MD 1.99%
  2. Gfa Federal Credit Union Gardner, MA 1.99%
  3. Atlantic Regional Federal Credit Union South Portland, ME 2.49%
  4. Pima Federal Credit Union Tucson, AZ 2.99%
  5. Cse Federal Credit Union Lake Charles, LA 2.99%
  6. Bellwether Community Credit Union Manchester, NH 3.99%
  7. Eastern Operating Engineers Federal Credit Union Whitestone, NY 3.99%
  8. Kemba Indianapolis Credit Union Indianapolis, IN 3.99%
  9. Circle Federal Credit Union Niles, MI 4.86%
  10. First Credit Union Chandler, AZ 4.90%

Highest credit card rate

  1. Travis Credit Union Vacaville, CA 22.15%
  2. KeyPoint Credit Union San Jose, CA 21.49%
  3. Wings Credit Union Colorado Springs, CO 21.49%
  4. Redwood Credit Union Santa Rosa, CA 21.00%
  5. Credit Union One Ferndale, MI 20.63%
  6. Community Choice Credit Union Farmington Hills, MI 20.49%
  7. Pittsburgh Firefighters' Federal Credit Union Pittsburgh, PA 19.99%
  8. Service Federal Credit Union Portsmouth, NH 19.65%
  9. True Community Credit Union Jackson, MI 19.49%
  10. Washington State Employees Credit Union Olympia, WA 18.75%

Median by state

Credit unions headquartered in each state, with $25.0 million or more in assets; states with at least three.

StateMedianCount
Puerto Rico8.99%3
Louisiana9.95%55
Hawaii10.25%29
Arkansas10.31%13
South Dakota10.59%16
Iowa10.60%35
Kentucky10.82%31
Illinois10.84%83
Alabama10.88%49
New York10.90%141
Pennsylvania10.90%133
Vermont10.99%7
Michigan11.05%148
Tennessee11.09%76
Delaware11.11%10
Maine11.25%40
Alaska11.28%7
Montana11.30%24
Kansas11.45%32
Utah11.49%31
Washington11.50%60
District of Columbia11.50%17
New Jersey11.60%46
Georgia11.60%30
Ohio11.63%117
Texas11.68%208
North Dakota11.73%18
North Carolina11.82%40
Oklahoma11.88%29
Indiana11.90%71
Mississippi11.90%19
South Carolina11.90%29
Oregon11.95%39
Wisconsin11.97%66
Arizona11.99%23
Idaho11.99%19
Missouri11.99%40
Virginia12.00%63
West Virginia12.00%21
Nevada12.13%8
Minnesota12.20%52
Wyoming12.21%14
Rhode Island12.24%6
Maryland12.37%40
California12.40%192
Connecticut12.40%33
Nebraska12.49%21
Florida12.50%86
Massachusetts12.50%51
New Mexico12.50%21
Colorado12.64%45
New Hampshire13.07%6

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA. Every credit union's figure is on its own page, in the screener, and in the free API.

Questions people ask

What is the average credit union credit card rate?

The median across 2,821 credit unions was 11.50% in the Q2 2026 call reports. Among credit unions with $25.0 million or more in assets, the middle half ran from 9.90% to 13.24%.

Is a higher credit card rate better?

No. For credit card rate, lower is better for members, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.

How is credit card rate calculated?

The unsecured credit card interest rate entered on the call report, shown only for credit unions that hold card balances. Source accounts on NCUA's 5300 call report: ACCT_521 (interest rate, unsecured credit cards); ACCT_396 (unsecured credit card loans).

Which credit union has the lowest credit card rate?

Municipal Empl.credit Union of Balt of Baltimore, MD, at 1.99% in Q2 2026, under the rules of the national ranking.