Credit union · NCUA insured
APG Federal Credit Union Credit Card Rates
Top CarrotAPG Federal Credit Union credit cards start at 7.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How APG Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Baltimore, MD, where APG Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
APG Federal Credit Union
7.00%APR
- Annual fee
- None
Classroom Supply Visa
2nd-lowest rate
Freedom Federal Credit Union
7.00%APR
- Annual fee
- None
3rd-lowest rate
Educational Systems Federal Credit Union
7.00%APR
- Annual fee
- $50
APG Federal Credit Union credit card score
95
Credit card score
Higher than 98% of U.S. banks and credit unions
- Purchase APRPurchase APR7.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where APG Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classroom Supply Visa
For educators only. Variable APR based on Prime Rate with a margin of 0.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.00% | None | Variable APR as low as 7.00%. Margin is 0.00% added to Prime Rate. |
Sources (3)
- apgfcu.com/content/docs/Visa-N…Agreement_VD-VIS-DIS.pdf
- apgfcu.com/rates/credit-card-rates.html
- apgfcu.com/borrow/credit-card.html
All captured Oct 4, 2026
Share Secured Visa Platinum Rewards
Credit line secured by pledged share savings account. Variable APR based on Prime Rate plus a 1.00% margin, not to exceed 5.00% above the current rate on Regular Share Accounts.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 5.20% | None | Variable APR for purchases is Prime + 1.00% (5.20% as disclosed). Not to exceed 5.00% above current rate on Regular Share Accounts. |
Sources (1)
- apgfcu.com/content/docs/Visa-N…Agreement_VD-VIS-DIS.pdf · captured Oct 4, 2026
Visa Cash Back
Credit limit up to $50,000. Earn 1.5% cash back for every dollar spent every month. Subject to credit approval and membership eligibility.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99%–17.99% | None | Variable APR as low as 14.99% - 17.99% based on creditworthiness. Variable rate based on Prime Rate plus margin of 5.74% to 14.24%. |
Sources (3)
- apgfcu.com/rates/credit-card-rates.html
- apgfcu.com/borrow/credit-card.html
- apgfcu.com/borrow/credit-card/…ck-visa-credit-card.html
All captured Oct 4, 2026
Visa Platinum Clarity
Non-variable APR card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% introductory APR for 15 months from account opening for purchases submitted within the 90th calendar day from account opening. |
| Ongoing | 15.99% | None | 15.99% non-variable APR for purchases completed after the 90th calendar day. |
Sources (2)
- apgfcu.com/content/docs/Visa-B…Conditions_PF-VIS-FM.pdf
- apgfcu.com/content/docs/Visa-N…Agreement_VD-VIS-DIS.pdf
All captured Oct 4, 2026
Visa Platinum Preferred
Credit limit up to $50,000. Subject to credit approval and membership eligibility. Standard APR varies with market based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% introductory APR for 15 months on balance transfers submitted within 90 calendar days of account opening with a 4% introductory balance transfer fee. Valid for accounts opened 07/01/2026 to 12/31/2026. |
| Ongoing | 12.74%–17.99% | None | Variable APR as low as 12.74% - 17.99% based on creditworthiness. Variable rate based on Prime Rate plus margin of 5.74% to 14.24%. |
Sources (3)
- apgfcu.com/rates/credit-card-rates.html
- apgfcu.com/borrow/credit-card.html
- apgfcu.com/borrow/credit-card/…ance-transfer-offer.html
All captured Oct 4, 2026
Visa Platinum Preferred Rewards
Credit limit up to $50,000. Earn 3 points at restaurants, 2 points on groceries & gas, 1 point on all other purchases. Subject to credit approval and membership eligibility.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.24%–17.99% | None | Variable APR as low as 14.24% - 17.99% based on creditworthiness. Variable rate based on Prime Rate plus margin of 5.74% to 14.24%. |
Sources (2)
All captured Oct 4, 2026
Visa Platinum Preferred Student/Starter
Student/Starter credit card. APR varies with the market based on the Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% introductory APR for 15 months from account opening for purchases submitted within the 90th calendar day from account opening. |
| Ongoing | 17.99% | None | 17.99% APR for purchases completed after the 90th calendar day. Margin ranges from 5.74% to 14.24% over Prime Rate. |
Sources (1)
- apgfcu.com/content/docs/Visa-N…Agreement_VD-VIS-DIS.pdf · captured Oct 4, 2026
Who can join APG Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Other ways
- Youth membership is available for individuals ages 0 through 17 with a $5 minimum savings account opening deposit.
Cost to join
- A minimum deposit of $5 is required to open and maintain a share savings account.
Membership information collected October 4, 2026.