HTM Credit Union Credit Card Rates

How HTM Credit Union’s credit card rates compare

Compared with banks and credit unions near Boston, MA-NH, where HTM Credit Union has the most branches. Ongoing purchase APR, lowest first.

Credit card score

Higher than 87% of U.S. banks and credit unions

By rate

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

Where HTM Credit Union ranks

By credit card score, in each area where it has branches

Every rate

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Credit lines from $500.00 to $10,000.00.

Applies to	APR	Annual fee	Conditions
Ongoing	8.90%	None	Rates as low as 8.9% APR with no annual fee. Credit lines from $500.00 to $10,000.00.

Sources (1)

This may be incomplete or out of date, so check with the credit union before you apply.

Employees of HTM Credit Union are eligible for membership.
Employees or former employees of any healthcare facility in the Greater Haverhill area are eligible for membership.
Persons working in any building owned or at least 50% leased by healthcare facilities are eligible for membership.
Members of any public library in the Greater Haverhill area are eligible for membership.

Employees or former employees of the Central Northern Essex Division of the Trial Court of the Commonwealth are eligible for membership.
Employees or former employees of any city or town in the Greater Haverhill area, including the school department, are eligible for membership.

1 more way to join

Immediate family members of an HTM Credit Union member are eligible for membership.

Membership requires opening a share savings account with a deposit of $25 or more.

Membership information collected October 5, 2026.