Credit union · NCUA insured
Capital Area Federal Credit Union Credit Card Rates
Capital Area Federal Credit Union credit cards start at 10.25% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Capital Area Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Augusta, ME, where Capital Area Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Capital Area Federal Credit Union
10.25%APR
Visa Credit Cards
Lowest rate
Gardiner Federal Credit Union
9.90%APR
2nd-lowest rate
Maine State Credit Union
9.90%APR
Capital Area Federal Credit Union credit card score
81
Credit card score
Higher than 56% of U.S. banks and credit unions
- Purchase APRPurchase APR10.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Capital Area 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.
Visa Credit Cards
Rates are fixed and risk-based dependent on FICO credit score. No Annual Fee. 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 5.99% | None | Share Secured: Secured with funds in account. Given the lowest rate offered; if funds on hold are released, rate will adjust to qualifying rate. |
| Ongoing | 8.25% | None | Credit Tier A+ (Credit Score 730+). |
| Ongoing | 10.25% | None | Credit Tier A (Credit Score 680-729). |
| Ongoing | 16.00% | None | Credit Tier B (Credit Score 630-679). |
| Ongoing | 17.50% | None | Credit Tier C (Credit Score 600-629). |
| Ongoing | 17.99% | None | Credit Tier D (Credit Score 599 and below). |
Sources (2)
All captured Oct 7, 2026
Who can join Capital Area 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Kennebec, Waldo, or Lincoln County, Maine, as well as businesses and other legal entities located there, are eligible for membership.
Family and household
- Relatives of current members or individuals residing in the same household (including domestic partners, foster children, and legal guardian relationships maintaining a single economic unit) are eligible to join.
Cost to join
- A $25.00 deposit into a share (savings) account is required upon joining.
Membership information collected October 4, 2026.