Credit union · NCUA insured
Midcoast Federal Credit Union Credit Card Rates
Midcoast Federal Credit Union credit cards start at 12.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Midcoast Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Portland, ME, where Midcoast Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Midcoast Federal Credit Union
12.99%APR
- Up to
- 17.99% APR
BASICS Visa®
Lowest rate
Town & Country Federal Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Evergreen Credit Union
8.99%APR
- Up to
- —
Midcoast Federal Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR12.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Midcoast 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.
BASICS Visa®
Fixed annual percentage rate ranging from 12.99% to 17.99% APR based on creditworthiness. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–17.99% | None | Fixed APR for Purchases based on creditworthiness when account is opened. Rate is accurate as of November 13, 2023. 21-day grace period on purchases. No annual fee. |
Sources (3)
All captured Oct 15, 2026
LOCAL REWARDS Visa®
Variable interest rate based on Prime Rate plus a margin determined by creditworthiness. Rate can range from 13.74% to 17.99% APR. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74%–17.99% | None | Variable APR for Purchases based on Prime Rate plus a margin based on creditworthiness. Rate is accurate as of October 12, 2026. 21-day grace period on purchases. No annual fee. |
Sources (3)
All captured Oct 15, 2026
Who can join Midcoast 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This may be incomplete or out of date, so check with the credit union before you apply.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, volunteer, or attend school in Waldo County, Knox County, Lincoln County, Sagadahoc County, Cumberland County, or the town of Durham in Androscoggin County, Maine are eligible for membership.
Family and household
- Immediate family members and individuals who share a household with eligible persons are eligible for membership.
Other ways
- Businesses and other legal entities within the field of membership are eligible for services/membership.
Cost to join
- A minimum $5.00 deposit into a Savings Account is required to start membership.
Membership information collected October 4, 2026.