Credit union · NCUA insured
Johns Hopkins Credit Union Credit Card Rates
Top CarrotJohns Hopkins Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Johns Hopkins Credit Union’s credit card rates compare
Compared with banks and credit unions near Baltimore, MD, where Johns Hopkins Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Johns Hopkins Credit Union
7.90%APR
Visa Platinum Credit Card
Lowest rate
APG Federal Credit Union
7.00%APR
2nd-lowest rate
Freedom Federal Credit Union
7.00%APR
Johns Hopkins Credit Union credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Johns Hopkins 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.
Rewards Credit Card
Introductory rate of 1.99% APR for 12 months from date of account opening on purchases, balance transfers, and cash advances. After the introductory period, APR converts to Prime + 10.5% (with an 18% cap / 18.00% variable rate based on creditworthiness). No annual fee. Membership eligibility required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory rate for the first 12 months from account opening on purchases, balance transfers, and cash advances. |
| Ongoing | 18.00% | None | Variable APR based on Prime + 10.5% (capped at 18.00%) after the 12-month introductory period expires, based on creditworthiness. |
Secured Visa Credit Card
Secured by funds in dividends-earning savings account. No annual fee. Membership eligibility required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Rates as low as 11.90% APR based on applicant's credit. |
Sources (3)
- jhfcu.org/overview/credit-cards
- jhfcu.org/products/share-secured-credit-card
- jhfcu.org/rates/loan-rates
All captured Oct 4, 2026
Starter Visa Credit Card
Designed for members new to credit or working to improve credit history. Managed $500 balance limit. No annual fee. Membership eligibility required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Rates as low as 18.00% APR based on applicant's credit. |
Sources (3)
All captured Oct 4, 2026
Visa Platinum Credit Card
No annual fee. Membership eligibility required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Rates as low as 7.90% APR based on applicant's credit. |
Sources (4)
- jhfcu.org
- jhfcu.org/overview/credit-cards
- jhfcu.org/products/visa-platinum-card
- jhfcu.org/rates/loan-rates
All captured Oct 4, 2026
Who can join Johns Hopkins 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, volunteer, or attend school in Census Tract 2605.01 in Baltimore City, Maryland are eligible for membership.
Employers and groups
- Employees and retirees of Johns Hopkins Hospitals, Johns Hopkins Health System, and named affiliated health institutions and entities are eligible for membership.
- Employees and retirees of eligible affiliated companies, contractors, and partner groups (including Aramark under contract for JHU Mt. Washington Conference Center Campus; Believe in Tomorrow Children’s House at Johns Hopkins; Canton Tower at 1501 S. Clinton St, Baltimore; Carnegie Institution of Washington; Community of Science; COPT Defense Properties; Dome Corporation; Howard Hughes Medical Institute of JHMI; Kennedy Krieger Institute; Keswick Multi-Care Center; Lieber Institute for Brain Development; Lifestar Response of Maryland in/paid from Annapolis Junction, MD; Paragon Biomedical Services, Inc.; Patient First at Greenspring Station; PinnacleCare; Potomac Home Health Care; Potomac Home Support; Professional Placement Resources for JH employees; Resolution Health, Inc. Columbia, MD location only; Space Telescope Science Institute; Transwestern Employees @ Mt. Washington Campus; Universal Protection Service / Allied Universal under regular contract for JHU and Peabody Institute in Baltimore, MD) are eligible for membership.
Military, government and schools
- Individuals currently employed by or retired from specified affiliated educational institutions and organizations (Henderson-Hopkins School; Independent College Fund of Maryland; Maryland Independent College and University Association, Inc.; Maryland Institute, College of Art; Mount Saint Mary's University; Washington College) are eligible for membership.
- All employees on the Bayview Medical Campus, including NIA, NIH, NIDA, and NHGRI, are eligible for membership.
- Employees, students, and retirees of Johns Hopkins University, as well as members of the Johns Hopkins University Alumni Association, are eligible for membership.
3 more ways to join
Military, government and schools
- Employees and students of the Peabody Institute of The Johns Hopkins University (and retirees) are eligible for membership.
- Employees and students of SAIS (Johns Hopkins School of Advanced International Studies) (and retirees) are eligible for membership.
Family and household
- Immediate family members (including spouses, children, step-children, parents, step-parents, grandparents, grandchildren, brothers, sisters, and step-siblings) and household members of an eligible individual are eligible to join.
Cost to join
- Depositing $1 establishes part-ownership in the credit union.
Membership information collected October 4, 2026.