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Enjoy 1.99% APR* for 12 months on Balance Transfers, followed by an APR between 9.5% and 19.5%
Transfer higher-rate credit card balances from other lenders and enjoy 1.99% APR* for 12 months now through March 31, 2021. After the initial 12-months, an APR between 9.5% and 19.5%* will apply.
No balance transfer fee, no reason to wait! Complete the online balance transfer form now.
Enjoy 1.99% APR* for 12 months on Purchases and Balance Transfers, followed by an APR between 9.5% and 19.5%. Apply online now for your new card!


Click for Terms and Conditions.

*1.99% Promotional APR applies to balance transfers completed between 1/1/2021 and 03/31/2021 and expires 12 months from the date of first transfer for both new and existing cardholders. New cardholders enjoy 1.99% APR on purchases as well as transfers effected through 12/31/2021. Your regular APR (between 9.50%–19.5% based on your credit) applies to all other transactions and unpaid promotional balances remaining after 12/31/2021. Interest on transfers begins to accrue immediately. You must use the balance transfer form linked from our website at to complete transfers. Click on the balance transfer ad from the top of the home page. 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.