Credit union · NCUA insured
Gardiner Federal Credit Union Credit Card Rates
Gardiner Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Gardiner Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Augusta, ME, where Gardiner Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Gardiner Federal Credit Union
9.90%APR
Visa Credit Card
2nd-lowest rate
Maine State Credit Union
9.90%APR
3rd-lowest rate
Maine Savings Federal Credit Union
9.99%APR
Gardiner Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Gardiner 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 Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Finance charge (interest) is calculated at the periodic rate of .825% per month (9.90% APR). 25 days grace period for purchases. Up to $15,000 credit limit and $200 daily ATM withdrawal. |
Sources (2)
All captured Oct 7, 2026
Who can join Gardiner 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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live, work, worship, or attend school in Kennebec County, Lincoln County, or the towns of Richmond and Palermo.
Employers and groups
- Membership is open to employees of Gardiner Federal Credit Union.
Family and household
- Membership is open to members of the immediate family or household of Gardiner Federal Credit Union employees.
Other ways
- Membership is open to organizations of people, businesses, or other legal entities in Kennebec County, Lincoln County, and the towns of Richmond and Palermo.
- Membership is open to volunteers in the community.
Membership information collected October 4, 2026.