Ranking · Q2 2026 call reports
Credit unions with the lowest credit card rates
Municipal Empl.credit Union of Balt of Baltimore, Maryland leads this list at 1.99%, according to the call reports credit unions filed with NCUA for the quarter ended June 30, 2026. Lowest credit card rate reported on the call report, $25 million and up with at least $1 million of these loans. 1,814 credit unions qualify; the top 100 are below.
These are the rates credit unions reported on their call reports, not offers. Your rate depends on credit, term and timing, and you must be eligible to join.
| # | Credit union | Location | Credit card | Card balances | Personal | Assets |
|---|---|---|---|---|---|---|
| 1 | Municipal Empl.credit Union of Balt | Baltimore, MD | 1.99% | $33.7M | 12.49% | $1.3B |
| 2 | Gfa Federal Credit Union | Gardner, MA | 1.99% | $1.7M | 17.94% | $747M |
| 3 | Atlantic Regional Federal Credit Union | South Portland, ME | 2.49% | $14.7M | 13.75% | $1.1B |
| 4 | Pima Federal Credit Union | Tucson, AZ | 2.99% | $21.8M | 13.99% | $1.7B |
| 5 | Cse Federal Credit Union | Lake Charles, LA | 2.99% | $4.7M | 12.86% | $446M |
| 6 | Bellwether Community Credit Union | Manchester, NH | 3.99% | $9.7M | 9.75% | $675M |
| 7 | Eastern Operating Engineers Federal Credit Union | Whitestone, NY | 3.99% | $1.6M | 6.50% | $88.6M |
| 8 | Kemba Indianapolis Credit Union | Indianapolis, IN | 3.99% | $1.7M | 20.65% | $82.3M |
| 9 | Circle Federal Credit Union | Niles, MI | 4.86% | $1.5M | 10.09% | $117M |
| 10 | First Credit Union | Chandler, AZ | 4.90% | $18.6M | 18.00% | $812M |
| 11 | Members Choice Credit Union | Houston, TX | 5.00% | $8.2M | 8.90% | $721M |
| 12 | Moog Employees Federal Credit Union | East Aurora, NY | 5.19% | $1.0M | 8.17% | $257M |
| 13 | Levo Federal Credit Union | Sioux Falls, SD | 5.24% | $9.9M | 11.49% | $516M |
| 14 | Dirigo Federal Credit Union | Lewiston, ME | 5.95% | $4.1M | 9.50% | $498M |
| 15 | Tonawanda Valley Federal Credit Union | Batavia, NY | 6.00% | $4.6M | 14.00% | $171M |
| 16 | Triangle Federal Credit Union | Columbus, MS | 6.50% | $3.0M | 10.65% | $129M |
| 17 | Educational Systems Federal Credit Union | Greenbelt, MD | 6.75% | $49.0M | 8.99% | $1.4B |
| 18 | Voyage Federal Credit Union | Sioux Falls, SD | 6.88% | $4.4M | 15.00% | $285M |
| 19 | Rio Grande Valley Credit Union | Harlingen, TX | 6.88% | $7.6M | 12.45% | $180M |
| 20 | Complex Community Federal Credit Union | Odessa, TX | 6.90% | $13.3M | 11.95% | $818M |
| 21 | Oxford Federal Credit Union | Mexico, ME | 6.90% | $11.5M | 18.00% | $370M |
| 22 | Eastex Credit Union | Evadale, TX | 6.90% | $1.9M | 10.89% | $132M |
| 23 | Christian Family Credit Union | North Canton, OH | 6.90% | $2.3M | 14.00% | $93.2M |
| 24 | Aspire Community Federal Credit Union | Minot, ND | 6.92% | $1.5M | 12.50% | $182M |
| 25 | Glendale Area Schools Credit Union | Glendale, CA | 6.95% | $4.5M | 10.16% | $422M |
| 26 | Credit Union of Atlanta | Atlanta, GA | 6.95% | $2.9M | 12.71% | $79.1M |
| 27 | Epic Federal Credit Union | Metairie, LA | 6.99% | $8.4M | 12.00% | $164M |
| 28 | Trunorthern Federal Credit Union | Malone, NY | 6.99% | $3.1M | 13.25% | $112M |
| 29 | Oklahoma Federal Credit Union | Oklahoma City, OK | 7.00% | $2.4M | 10.24% | $199M |
| 30 | Aspen Federal Credit Union | Rapid City, SD | 7.00% | $3.9M | 10.75% | $173M |
| 31 | Service 1st Credit Union | Greenville, TX | 7.00% | $1.9M | 7.11% | $71.3M |
| 32 | Conservation Employees Credit Union | Jefferson City, MO | 7.04% | $2.5M | 9.56% | $195M |
| 33 | Alcoa Community Federal Credit Union | Benton, AR | 7.07% | $1.6M | 11.13% | $69.5M |
| 34 | Toledo Fire Fighters Federal Credit Union | Toledo, OH | 7.13% | $1.4M | 10.77% | $45.5M |
| 35 | Houston Texas Fire Fighters Federal Credit Union | Houston, TX | 7.15% | $14.7M | 10.95% | $401M |
| 36 | Saco Valley Credit Union | Saco, ME | 7.16% | $2.2M | 10.52% | $196M |
| 37 | Cheney Federal Credit Union | Cheney, WA | 7.25% | $4.9M | 11.50% | $148M |
| 38 | Empire One Federal Credit Union | Cheektowaga, NY | 7.33% | $2.5M | 9.99% | $76.0M |
| 39 | Eco Credit Union | Birmingham, AL | 7.38% | $7.4M | 13.09% | $195M |
| 40 | North Country Federal Credit Union | Burlington, VT | 7.45% | $47.4M | 10.94% | $1.1B |
| 41 | Long Beach City Employees Federal Credit Union | Signal Hill, CA | 7.49% | $1.9M | 8.99% | $271M |
| 42 | Access Community Credit Union | Amarillo, TX | 7.49% | $3.5M | 12.99% | $211M |
| 43 | Newport News Mun. Emp Credit Union | Newport News, VA | 7.49% | $1.6M | 17.00% | $54.4M |
| 44 | Brazos Valley Schools Credit Union | Katy, TX | 7.50% | $13.8M | 15.75% | $1.0B |
| 45 | River Valley Credit Union | Ada, MI | 7.50% | $3.0M | 12.99% | $124M |
| 46 | Greater Iowa Credit Union | Ames, IA | 7.55% | $17.6M | 16.26% | $715M |
| 47 | Government Employees Federal Credit Union | Austin, TX | 7.62% | $1.8M | 6.33% | $189M |
| 48 | Lifetime Federal Credit Union | Richardson, TX | 7.65% | $2.7M | 13.47% | $55.2M |
| 49 | Falls Catholic Credit Union | Cuyahoga Falls, OH | 7.72% | $2.2M | 12.29% | $60.2M |
| 50 | Community One Credit Union of Ohio | North Canton, OH | 7.76% | $1.6M | 12.32% | $129M |
| 51 | Friends and Family Credit Union Inc | Massillon, OH | 7.80% | $3.0M | 12.90% | $111M |
| 52 | Hawaii Law Enforcement Federal Credit Union | Honolulu, HI | 7.89% | $5.3M | 10.22% | $230M |
| 53 | Eglin Federal Credit Union | Fort Walton Beach, FL | 7.90% | $65.8M | 8.90% | $3.1B |
| 54 | JSC Federal Credit Union | Houston, TX | 7.90% | $51.3M | 8.99% | $2.6B |
| 55 | Cornerstone Community Federal Credit Union | Lockport, NY | 7.90% | $15.1M | 9.99% | $730M |
| 56 | Memphis City Employees Credit Union | Memphis, TN | 7.90% | $14.7M | 9.75% | $503M |
| 57 | Pinal County Federal Credit Union | Casa Grande, AZ | 7.90% | $5.1M | 18.00% | $339M |
| 58 | Unity One Credit Union | Fort Worth, TX | 7.90% | $7.4M | 15.25% | $276M |
| 59 | Community South Credit Union | Chipley, FL | 7.90% | $6.2M | 10.00% | $245M |
| 60 | Westex Community Credit Union | Kermit, TX | 7.90% | $4.3M | 18.00% | $231M |
| 61 | Polish-American Federal Credit Union | Troy, MI | 7.90% | $2.0M | 7.15% | $195M |
| 62 | SMW 104 Federal Credit Union | Livermore, CA | 7.90% | $9.8M | 9.70% | $118M |
| 63 | L G & W Federal Credit Union | Memphis, TN | 7.90% | $2.7M | 16.00% | $115M |
| 64 | Maple Federal Credit Union | Lafayette, LA | 7.90% | $1.3M | 12.00% | $71.6M |
| 65 | Lanier Federal Credit Union | Oakwood, GA | 7.90% | $1.3M | 10.99% | $71.6M |
| 66 | Shell Western States Federal Credit Union | Martinez, CA | 7.90% | $1.3M | 9.00% | $66.0M |
| 67 | Credit Union of Richmond Incorporat | Richmond, VA | 7.90% | $1.8M | 11.24% | $64.6M |
| 68 | Total Choice Federal Credit Union | Hahnville, LA | 7.90% | $2.4M | 14.19% | $54.3M |
| 69 | 705 Federal Credit Union | Lafayette, LA | 7.90% | $1.8M | 12.65% | $43.0M |
| 70 | M.p.d. Community Credit Union | Nashville, TN | 7.90% | $2.6M | 8.63% | $41.0M |
| 71 | NSP Credit Union | Maplewood, MN | 7.90% | $1.8M | 11.50% | $35.1M |
| 72 | Aero Federal Credit Union | Glendale, AZ | 7.92% | $8.0M | 11.00% | $364M |
| 73 | Union Building Trades Federal Credit Union | Parsippany, NJ | 7.95% | $1.2M | 11.36% | $85.8M |
| 74 | Houston Police Federal Credit Union | Houston, TX | 7.99% | $41.6M | 9.00% | $1.0B |
| 75 | Armco Credit Union | Butler, PA | 7.99% | $6.6M | 10.75% | $719M |
| 76 | Members Heritage Credit Union | Lexington, KY | 7.99% | $9.5M | 9.25% | $591M |
| 77 | Pecu Credit Union | Austin, TX | 7.99% | $2.5M | 9.99% | $431M |
| 78 | Gulf Coast Federal Credit Union | Corpus Christi, TX | 7.99% | $1.4M | 11.49% | $260M |
| 79 | First Service Federal Credit Union | Groveport, OH | 7.99% | $2.5M | 11.24% | $236M |
| 80 | Southwest Louisiana Credit Union | Lake Charles, LA | 7.99% | $5.9M | 13.48% | $183M |
| 81 | Lincoln Maine Federal Credit Union | Lincoln, ME | 7.99% | $1.4M | 9.49% | $163M |
| 82 | Horizons North Credit Union | Westminster, CO | 7.99% | $1.3M | 16.00% | $136M |
| 83 | Firefighters & Company Federal Credit Union | Dayton, OH | 7.99% | $1.3M | 18.00% | $129M |
| 84 | First American Credit Union | Casa Grande, AZ | 7.99% | $1.1M | 23.00% | $120M |
| 85 | Washington Area Teachers Federal Credit Union | Washington, PA | 7.99% | $1.7M | 10.75% | $82.4M |
| 86 | Albright Credit Union | Bethel, CT | 7.99% | $1.7M | 6.99% | $73.9M |
| 87 | Highway Federal Credit Union | Hughestown, PA | 7.99% | $1.0M | 12.50% | $35.0M |
| 88 | Tennessee Employees Credit Union | Nashville, TN | 7.99% | $1.1M | 13.01% | $31.0M |
| 89 | Cedar Point Federal Credit Union | Lexington Park, MD | 8.00% | $17.1M | 13.00% | $906M |
| 90 | Garden Savings Federal Credit Union | Parsippany, NJ | 8.00% | $4.2M | 10.99% | $496M |
| 91 | Missouri Electric Cooperatives Empl Credit Union | Jefferson City, MO | 8.00% | $2.6M | 8.25% | $397M |
| 92 | The People's Federal Credit Union | Amarillo, TX | 8.00% | $2.7M | 12.27% | $229M |
| 93 | Muskegon Federal Credit Union | Muskegon, MI | 8.00% | $4.8M | 11.59% | $80.8M |
| 94 | Post Office Employees' Credit Union | Metairie, LA | 8.00% | $1.6M | 9.20% | $54.7M |
| 95 | Red Oak Credit Union | Tuscaloosa, AL | 8.00% | $2.5M | 10.00% | $40.1M |
| 96 | Settlers Federal Credit Union | Bruce Crossing, MI | 8.00% | $1.6M | 10.00% | $37.8M |
| 97 | Affinity Credit Union | Des Moines, IA | 8.01% | $4.7M | 11.34% | $154M |
| 98 | Hampton Roads Educ Credit Union Inc | Hampton, VA | 8.07% | $3.1M | 13.28% | $46.9M |
| 99 | Formation Federal Credit Union | Baton Rouge, LA | 8.09% | $2.0M | 10.68% | $93.0M |
| 100 | Ufirst Federal Credit Union | Plattsburgh, NY | 8.11% | $1.8M | 13.12% | $129M |
Source: NCUA 5300 Call Report quarterly data, Q2 2026. Credit card rate: Interest rate reported for unsecured credit card loans. Not affiliated with NCUA or any credit union. Open this list in the screener · Compare credit unions
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