Credit union · NCUA insured
Maine State Credit Union Credit Card Rates
Maine State Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Maine State Credit Union’s credit card rates compare
Compared with banks and credit unions near Augusta, ME, where Maine State Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Maine State Credit Union
9.90%APR
Smart Rate Visa
Lowest rate
Gardiner Federal Credit Union
9.90%APR
3rd-lowest rate
Maine Savings Federal Credit Union
9.99%APR
Maine State 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 Maine State 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.
Elevate Visa
Secured credit card designed to build or rebuild credit. Subject to credit and underwriting approval and membership eligibility.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | APR as low as 11.90%. Subject to credit and underwriting approval. |
Sources (1)
- mainestatecu.org/loans-lines/credit-cards · captured Oct 3, 2026
Smart Rate Visa
Subject to credit approval and membership eligibility.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | APR as low as 9.90%. Subject to credit and underwriting approval. |
Sources (1)
- mainestatecu.org/loans-lines/credit-cards · captured Oct 3, 2026
Visa Rewards
Subject to credit approval and membership eligibility.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Standard purchase APR. Subject to credit approval. |
| Intro, 12 months | 5.99% | None | Promotional balance transfer APR for 12 months on non-MSCU balance transfers posted between 01.02.26 and 02.13.26. After 12 months, rate is 9.90% - 14.90% APR based on creditworthiness. |
Who can join Maine State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.