Credit union · NCUA insured
APL Federal Credit Union Credit Card Rates
Top CarrotAPL Federal Credit Union credit card rates start at 10.74% APR. Rates checked October 22, 2026.
How APL Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Baltimore, MD, where APL Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
APL Federal Credit Union
– –
No ongoing APR published
Lowest rate
APG Federal Credit Union
7.00%APR
2nd-lowest rate
Freedom Federal Credit Union
7.00%APR
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.
Classic Visa and Secured Classic Visa
Open to APL FCU members (anyone who lives, works, attends school, or regularly conducts business in Howard County, MD, and their family members). Applicants must be 18 years of age (17-year-olds may apply with a co-signer). No annual fee, no balance transfer fee, no transaction fee, no cash advance fee. 25-day grace period on purchases. For Secured card, card limit is $100 less than savings pledge amount. Variable APR based on Prime + 3.74% with no minimum rate and an 18.00% maximum cap.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.74% | None | Variable APR of Prime + 3.74% with a maximum rate cap of 18.00% and no minimum rate restriction; rate may vary monthly based on Wall Street Journal Prime. Includes 25-day grace period on purchases, no annual fee, and no balance transfer fee. |
Rewards Visa and Secured Rewards Visa
Open to APL FCU members (anyone who lives, works, attends school, or regularly conducts business in Howard County, MD, and their family members). Applicants must be 18 years of age (17-year-olds may apply with a co-signer). No annual fee, no balance transfer fee, no transaction fee, no cash advance fee. 25-day grace period on purchases. For Secured Rewards card, card limit is $100 less than savings pledge amount. Variable APR based on Prime + 6.74% with no minimum rate and an 18.00% maximum cap. Earns 1.5 points per $1 spent.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74% | None | Variable APR of Prime + 6.74% with a maximum rate cap of 18.00% and no minimum rate restriction; rate may vary monthly based on Wall Street Journal Prime. Includes 25-day grace period on purchases, no annual fee, and no balance transfer fee. Earns 1.5 points per $1 spent. |
Who can join APL Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or regularly conducts business in Howard County, Maryland.
Family and household
- Immediate family members of current credit union members are eligible for membership, even if they do not live or work in Howard County.
Membership information collected October 4, 2026.