--- title: "Destinations Credit Union Rates (Nov 2026): Mortgage 7.04%" description: "Destinations Credit Union rates today: 30 year fixed mortgage 7.04% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Destinations Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/maryland/destinations-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Destinations Credit Union Rates (Nov 2026): Mortgage 7.04% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.040% APR | 6.875% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.125% | — | Standard | Destinations Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **60 Payments of $375 ($20,000 Loan Amount)** auto_any_60mo | — APR | 4.740% | 60 mo | Standard | | **Auto Loan** auto | — APR | 4.740% | — | Standard | | **72 Payments of $326.66 ($20,000 Loan Amount)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **84 Payments of $497.05 ($30,000 Loan Amount) 4** auto_any_84mo | — APR | 5.990% | 84 mo | Standard | | **60 Payments of $394.52 ($20,000 Loan Amount)** auto_any_60mo | — APR | 6.840% | 60 mo | Standard | | **60 Payments of $394.61** auto_any_60mo | — APR | 6.850% | 60 mo | Standard | | **72 Payments of $344.25 ($20,000 Loan Amount)** auto_any_72mo | — APR | 7.340% | 72 mo | Standard | | **84 Payments of $305.19 ($20,000 Loan Amount)** auto_any_84mo | — APR | 7.340% | 84 mo | Standard | | **72 Payments of $344.35** auto_any_72mo | — APR | 7.350% | 72 mo | Standard | | **120 Payments of $1181.71 ($75,000 Loan Amount)** auto_any_120mo | — APR | 8.340% | 120 mo | Standard | Destinations Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Lines of Credit (HELOC) (180 Months)** heloc_variable | — APR | 7.000% | — | Standard | Destinations Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Up to 60-Month Signature Loan** personal_unsecured_60mo | — APR | 10.690% | 60 mo | Standard | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.690% | — | Standard | | **Signature Loans (61 to 84 Months)** personal_unsecured_84mo | — APR | 11.690% | 84 mo | Standard | Destinations Credit Union personal loan rates as of November 13, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **DCU MasterCard Secured** credit_card_secured | — APR | 7.500% | — | Standard | | **DCU MasterCard** credit_card | — APR | 9.500% | — | Standard | Destinations Credit Union credit card rates as of November 13, 2026 ### Savings & CD rates 14 offers | Product | Published | Rate | Term / condition | Status | | **If Qualifications are NOT Met** savings | — APY | 0.05% | — | Standard | | **Primary savings (With balance of $50 & Over).** savings | — APY | 0.10% | — | Standard | | **IRA** ira | — APY | 0.15% | — | Standard | | **$2,500 – $9,999.99** savings | — APY | 0.15% | — | Standard | | **$25,000.00 +** savings | — APY | 0.20% | — | Standard | | **$10,000 – $24,999.99** savings | — APY | 0.20% | — | Standard | | **Over $10,000 (If Qualifications are Met) 1** savings | — APY | 0.25% | — | Standard | | **Balance up to $10,000** savings | — APY | 0.25% | — | Standard | | **Share & IRA Certificates 2 (60 Months (5 Years))** ira_cd_60mo | — APY | 2.85% | 60 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 3.15% | 24 mo | Standard | | **Share & IRA Certificates 2 (36 Months (3 Years))** ira_cd_36mo | — APY | 3.20% | 36 mo | Standard | | **Share & IRA Certificates 2 (6 Months)** ira_cd_6mo | — APY | 3.20% | 6 mo | Standard | | **Up to $10,000 (If Qualifications are Met) 1** savings | — APY | 3.20% | — | Standard | | **Share & IRA Certificates 2 (12 Months (1 Year))** ira_cd_12mo | — APY | 3.40% | 12 mo | Standard | Destinations Credit Union savings & cd rates as of November 13, 2026 As of November 13, 2026, Destinations Credit Union offers a 30-year fixed mortgage at 7.04% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/maryland/destinations-credit-union) , verified from [Destinations Credit Union's official website](https://www.destinationscu.org/) Best product position **Room to improve vs. the Maryland median** 30-year fixed mortgage Gap to state best **79 bp** 79 bp from state best Vs. state median **9 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Maryland markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.04% | Room to improve vs. the Maryland median | 79 bp from state best | 9 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Destinations Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=destinations-credit-union&state=maryland&code=MD&name=Destinations%20Credit%20Union) Loading branch locator… ## About Destinations Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 5.6K Assets $64.7M Founded 1935 Locations reported 2 NCUA charter 66333 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Municipal Empl.credit Union of Balt** Loch Ridge Center Branch · Baltimore · MD · 21286 About 1.7 miles away](https://rateapi.dev/credit-unions/maryland/municipal-emplcredit-union-of-balt) [**First Financial of Maryland** Fullerton · Baltimore · MD · 21236-3706 About 1.8 miles away](https://rateapi.dev/credit-unions/maryland/first-financial-of-maryland) [**Peake** BCEFCU- Perry Hall · Baltimore · MD · 21236 About 2.1 miles away](https://rateapi.dev/credit-unions/maryland/peake) [**State Employees CU of Maryland, Inc** SECU Credit Union - Fullerton · Baltimore · MD · 21236-3930 About 2.2 miles away](https://rateapi.dev/credit-unions/maryland/state-employees-cu-of-maryland-inc) [**Central Credit Union of Maryland,in** Loch Raven Branch · Baltimore · MD · 21286-5914 About 2.4 miles away](https://rateapi.dev/credit-unions/maryland/central-credit-union-of-marylandin) [**Aberdeen Proving Ground** Perry Hall Branch · Nottingham · MD · 21236 About 3.0 miles away](https://rateapi.dev/credit-unions/maryland/aberdeen-proving-ground) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Destinations Credit Union Membership eligibility from Destinations Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (eligible employers) - Employer eligible employers Verified from [Destinations Credit Union's membership page](https://forms.joinmycu.com/mop/274/newmember/eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Destinations Credit Union Employers 3 · Family 4 published paths to membership, last verified August 21, 2026, quoted from Destinations Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Baltimore Transit Company “Originally chartered as Baltimore Transit Employees Credit Union, it served only employees of the Baltimore Transit Company (now MTA).” > [source ↗](https://destinationscu.org/our-history/) - Employee of Baltimore Transit Company - Employee of MTA “In 1975, the credit union changed its name to MTA Employees Credit Union, since the Baltimore Transit Company was folded into the MTA.” > [source ↗](https://destinationscu.org/our-history/) - Employee of MTA - Employee of employer groups (as written on the source page) “In the late 1990s, the credit union began expanding by adding employer groups to the field of membership.” > [source ↗](https://destinationscu.org/our-history/) - Employee of employer groups ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member family members “membership expanded to include family members of the MTA employees.” > [source ↗](https://destinationscu.org/our-history/) - Family member (family members) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Destinations Credit Union? Yes No ## Work at Destinations Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Destinations Credit Union ranks against Maryland peers. - See which AI assistants fetched Destinations Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Maryland - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=destinations-credit-union&state=maryland&code=MD&name=Destinations%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Destinations Credit Union offer? Destinations Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Destinations Credit Union rates updated? RateAPI verifies Destinations Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Destinations Credit Union's rate data? Rate data is collected directly from Destinations Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Destinations Credit Union's mortgage rate? As of November 13, 2026, Destinations Credit Union offers a 30-year fixed mortgage at 7.04% APR. ### Who can join Destinations Credit Union? Membership via employers (eligible employers) RateAPI tracks 4 published membership paths covering 3 employers for Destinations Credit Union, each quoted from Destinations Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Destinations Credit Union's rates against national credit-union benchmarks. [More Maryland credit unions](https://rateapi.dev/credit-unions/maryland) [Maryland mortgage rate leaders](https://rateapi.dev/mortgage-rates/maryland) [Maryland auto loan rate leaders](https://rateapi.dev/auto-loan-rates/maryland) [Maryland HELOC rate leaders](https://rateapi.dev/heloc-rates/maryland) [Maryland personal loan leaders](https://rateapi.dev/personal-loan-rates/maryland) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.destinationscu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Destinations Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Maryland credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Destinations Credit Union curl "https://api.rateapi.dev/credit-unions/maryland /destinations-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Destinations Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/maryland/destinations-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp