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How Great is your Credit Card Rate?

Enjoy our LOW Introductory Rate* of 1.99% APR* on purchases and balance transfers for 12 months followed by an APR between 9.5% and 19.5%, depending on your credit. Apply online now for your new card!

No balance transfer fee, no reason to wait! Complete the online balance transfer form now.

View our Great Rates!

Click for Terms and Conditions.

New cardholders only enjoy 1.99% Introductory APR for the first 12 months from the date the card is opened on all balance transfers and purchase transactions completed through 12/31/2021. An APR between 9.50%–19.5% based on credit applies to other types of transactions and to any unpaid balances remaining after the introductory period ends. Interest on transfers begins to accrue immediately. You must use the balance transfer form to complete transfers. Contact the Credit Union for details. EQUAL OPPORTUNITY LENDER.



  • Competitively low rates
  • No annual fee
  • 25-day grace period on purchases
  • No balance transfer fees – consolidate higher-rate balances
  • Make purchases online or in-store virtually anytime, anywhere
  • Meet financial needs immediately as they arise
  • Establish or re-establish credit history
  • Easily access and track transactions online via online banking
  • Turn your credit card card on or off, or set notifications when your card is used with our card controls
  • Easily replaced if lost or stolen

For full disclosures, please click on "Mastercard Disclosures" below.

Current Cardholders: For a copy of your full Mastercard® agreement, please call 410-663-2500 or e-mail [email protected] to request a copy.

Extra Protection for Online Shopping

Your Mastercard® Credit Card is protected by eGuard.  eGuard is a sophisticated fraud model and you are automatically enrolled.  If there is a transaction that is deemed suspicious, you will receive a text message from short code 732-873.  You will authenticate the transaction via text message. 

If there are no phone numbers on file, then eGuard will present Knowledge Based Questions for you to answer during the checkout process. Example Knowledge Based Questions are Mother’s Maiden Name, Date Of Birth, and Zip Code.

*Interest rates subject to change without notice.

Click Terms and Conditions or Apply Now to see the full disclosures.