Credit union · NCUA insured
Tower Federal Credit Union Credit Card Rates
Top CarrotTower Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Tower Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Baltimore, MD, where Tower Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Tower Federal Credit Union
10.90%APR
- Up to
- 15.90% APR
Gold Mastercard
Lowest rate
APG Federal Credit Union
7.00%APR
- Up to
- —
2nd-lowest rate
Freedom Federal Credit Union
7.00%APR
- Up to
- —
Tower Federal Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Tower 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.
Empower Mastercard
No annual fee. Credit limits from $1,000 to $30,000 based on creditworthiness. Variable APR equal to Prime Rate plus a margin of 4.74% – 14.74% (max 17.99%). Foreign transaction fee 1.00% of purchase amount. Cash advance fee 2.50% (minimum $0.75). Standard balance transfer fee 2.50%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0.00% APR for 6 months on balance transfers requested from another lender within the first 60 days (2 months) of account opening. 2.50% balance transfer fee applies. Does not apply to upgraded accounts or accounts with a credit limit increase. After 6 months, standard variable APR applies. |
| Ongoing | 11.49%–17.99% | None | Standard variable APR based on creditworthiness and Prime Rate (Prime + 4.74% to 14.74% margin, up to max 17.99%). Also listed as 'as low as 11.49%'. |
Sources (3)
- towerfcu.org/credit-cards/comp…-all-cards/tower-empower
- towerfcu.org/credit-cards/compare-all-cards
- towerfcu.org/rates/loan-rates
All captured Oct 4, 2026
Gold Mastercard
No annual fee. Credit limits from $5,000 to $30,000 based on creditworthiness. Unlimited 1.00% cash back on purchases. Foreign transaction fee 1.10% of purchase amount. Balance transfer fee None. Cash advance fee $0.75 per advance at ATM (minimum $0.75).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90%–15.90% | None | Standard APR based on creditworthiness and qualifications. Also listed as 'as low as 10.90%'. |
Sources (3)
- towerfcu.org/credit-cards/compare-all-cards
- towerfcu.org/credit-cards/compare-all-cards/tower-gold
- towerfcu.org/rates/loan-rates
All captured Oct 4, 2026
World Mastercard
No annual fee. Credit limits from $5,000 to $30,000 based on creditworthiness. Variable APR equal to Prime Rate plus a margin of 7.74% – 12.74% (max 17.99%). Unlimited 1.50% cash back. No foreign transaction fee. No balance transfer fee. Cash advance fee 2.00% (minimum $0.75).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR on all purchases for the first 12 months (first year) from account opening. Does not apply to upgraded accounts or accounts with a credit limit increase. |
| Ongoing | 14.49%–17.99% | None | Standard variable purchase APR based on creditworthiness and Prime Rate (Prime + 7.74% to 12.74% margin, up to max 17.99%). Also listed as 'as low as 14.49%'. |
Sources (3)
- towerfcu.org/credit-cards/compare-all-cards
- towerfcu.org/credit-cards/compare-all-cards/tower-world
- towerfcu.org/rates/loan-rates
All captured Oct 4, 2026
Who can join Tower Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Tower partner companies listed in their partner directory are eligible for membership.
Military, government and schools
- Employees or retirees of Tower's sponsor Agency are eligible for membership.
Family and household
- Individuals related to a current Tower member are eligible for membership.
Other ways
- Individuals can become eligible for membership by making a $35 donation to The TowerCares Foundation.
Cost to join
- An initial $15 deposit opens a free checking account and a Prime Share savings account, establishing lifetime membership.
Membership information collected October 4, 2026.