Municipal Empl.credit Union of Balt

Baltimore, Maryland
Last verified: August 3, 2026
Work at Municipal Empl.credit Union of Balt? Claim this profile →

Verified rate book

Current Municipal Empl.credit Union of Balt rates

43 published offers verified as of August 3, 2026.

How we verify rates

Mortgage rates

14 offers
Municipal Empl.credit Union of Balt mortgage rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
30-Year Fixed30 year fixed6.331% APR6.125%—Standard
30-Year Fixed30 year fixed6.486% APR6.375%—Standard
15-Year Fixed15 year fixed5.710% APR5.375%—Standard
15-Year Fixed15 year fixed5.804% APR5.625%—Standard
5/1 ARM5 1 arm5.000% APR5.000%—Standard
10-Year Fixed10 year fixed5.599% APR5.125%—Standard
10-Year Fixed10 year fixed5.628% APR5.375%—Standard
5/1 ARM5 1 arm5.948% APR5.000%—Standard
20-Year Fixed20 year fixed6.019% APR5.750%—Standard
7/1 ARM7 1 arm6.038% APR5.500%—Standard
10/1 ARM10 1 arm6.073% APR5.750%—Standard
3/1 ARM3 1 arm6.105% APR4.875%—Standard
20-Year Fixed20 year fixed6.144% APR6.000%—Standard
5-Year Fixed Rateother5.490% APR5.490%—Standard

Auto & vehicle rates

19 offers
Municipal Empl.credit Union of Balt auto & vehicle rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
48-Month New Auto Loanauto_new_48mo4.740% APR4.740%48 mo · newStandard
New Auto Loanauto_new4.740% APR4.740%newStandard
60-Month New Auto Loanauto_new_60mo4.990% APR4.990%60 mo · newStandard
48-Month Used Auto Loanauto_used_48mo4.990% APR4.990%48 mo · usedStandard
60-Month Used Auto Loanauto_used_60mo5.240% APR5.240%60 mo · usedStandard
72-Month New Auto Loanauto_new_72mo5.240% APR5.240%72 mo · newStandard
72-Month Used Auto Loanauto_used_72mo5.490% APR5.490%72 mo · usedStandard
84-Month New Auto Loanauto_new_84mo5.990% APR5.990%84 mo · newStandard
36-Month New Motorcycle Loanmotorcycle_new_36mo6.240% APR6.240%36 mo · newStandard
84-Month Used Auto Loanauto_used_84mo6.240% APR6.240%84 mo · usedStandard
48-Month New Motorcycle Loanmotorcycle_new_48mo6.490% APR6.490%48 mo · newStandard
36-Month Used Motorcycle Loanmotorcycle_used_36mo6.740% APR6.740%36 mo · usedStandard
48-Month Used Motorcycle Loanmotorcycle_used_48mo6.990% APR6.990%48 mo · usedStandard
60-Month New Motorcycle Loanmotorcycle_new_60mo7.240% APR7.240%60 mo · newStandard
New RV & Boat Loanrv_new_180mo7.490% APR7.490%180 mo · newStandard
60-Month Used Motorcycle Loanmotorcycle_used_60mo7.740% APR7.740%60 mo · usedStandard
84-Month New Motorcycle Loanmotorcycle_new_84mo8.240% APR8.240%84 mo · newStandard
Used RV & Boat Loanrv_used_180mo8.490% APR8.490%180 mo · usedStandard
84-Month Used Motorcycle Loanmotorcycle_used_84mo8.740% APR8.740%84 mo · usedStandard

HELOC rates

2 offers
Municipal Empl.credit Union of Balt heloc rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Standard HELOCheloc_variable3.990% APR3.990%—Standard
Standard HELOCheloc_variable6.500% APR6.500%—Standard

Personal loan rates

6 offers
Municipal Empl.credit Union of Balt personal loan rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
Share / CD Secured Loanpersonal_secured_36mo3.700% APR3.700%36 moStandard
Unsecured Personal Loanpersonal_unsecured10.240% APR10.240%—Standard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo10.240% APR10.240%36 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo10.990% APR10.990%48 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo11.490% APR11.490%60 moStandard
Personal Line of Creditploc_variable12.740% APR12.740%—Standard

Savings & CD rates

1 offer
Municipal Empl.credit Union of Balt savings & cd rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
15-Month Certificatecd_15mo3.90% APY3.90%15 moStandard

Other rates

1 offer
Municipal Empl.credit Union of Balt other rates as of August 3, 2026
ProductPublishedRateTerm / conditionStatus
5/1 Adjustable Rateother3.000% %3.000%—Standard

As of August 3, 2026, Municipal Empl.credit Union of Balt offers a 30-year fixed mortgage at 6.331% APR (1 points). Vehicle loans available from 4.74% APR for 48 months. HELOC rates from 3.99% APR. Personal loan rates from 3.7% APR. Savings and certificate yields up to 3.90% APY.

Source: RateAPI.dev, verified from Municipal Empl.credit Union of Balt's official website

Loading branch locator…

About Municipal Empl.credit Union of Balt

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
92.2K
Assets
$1.3B
Founded
1936
Locations reported
10
NCUA charter
66787
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 counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. 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.

State Employees CU of Maryland, IncSECU Credit Union UMB · Baltimore · MD · 21201-2423About 0.8 miles awayFirst EagleUnion Memorial Baltimore · Baltimore · MD · 21218-2829About 2.3 miles awayJohns HopkinsHomewood Branch at Charles Commons · Baltimore · MD · 21218About 2.3 miles awayFourleafMaryland Corporate Office · Baltimore · MD · 21224-5730About 3.8 miles awayFive Star of MarylandCaton Avenue Office · Baltimore · MD · 21229About 4.6 miles awaySecurityplusNorthwest Plaza · Baltimore · MD · 21215About 5.2 miles away

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 Municipal Empl.credit Union of Balt

Membership eligibility from Municipal Empl.credit Union of Balt's own published criteria. How we verify this.

Membership criteria are published on Municipal Empl.credit Union of Balt's website. Check the membership page below to confirm whether you qualify.

Verified from Municipal Empl.credit Union of Balt's membership page. Final membership determination is always made by the credit union.

Work at Municipal Empl.credit Union of Balt?

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 Municipal Empl.credit Union of Balt ranks against Maryland peers.

Claim this profileHow scorecards work

Frequently Asked Questions

What rates does Municipal Empl.credit Union of Balt offer?

Municipal Empl.credit Union of Balt currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.

How often are Municipal Empl.credit Union of Balt rates updated?

RateAPI verifies Municipal Empl.credit Union of Balt's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.

Where does RateAPI get Municipal Empl.credit Union of Balt's rate data?

Rate data is collected directly from Municipal Empl.credit Union of Balt's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Municipal Empl.credit Union of Balt's mortgage rate?

As of August 3, 2026, Municipal Empl.credit Union of Balt offers a 30-year fixed mortgage at 6.331% APR.

What are Municipal Empl.credit Union of Balt's auto, rv & motorcycle loan rates?

As of August 3, 2026, Municipal Empl.credit Union of Balt offers vehicle loans from 4.74% APR.

What is Municipal Empl.credit Union of Balt's HELOC rate?

As of August 3, 2026, Municipal Empl.credit Union of Balt offers home equity lines of credit from 3.99% APR.

What is Municipal Empl.credit Union of Balt's personal loan rate?

As of August 3, 2026, Municipal Empl.credit Union of Balt offers personal loans from 3.7% APR.

What is Municipal Empl.credit Union of Balt's best CD rate?

As of August 3, 2026, Municipal Empl.credit Union of Balt offers savings and certificate (CD) yields up to 3.90% APY.

Related Rate Data

Compare Municipal Empl.credit Union of Balt's rates against national credit-union benchmarks.

More Maryland credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Municipal Empl.credit Union of Balt rates

Get a free API key to query these rates programmatically, or get the daily email when Maryland credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Municipal Empl.credit Union of Balt
curl "https://api.rateapi.dev/credit-unions/maryland/municipal-emplcredit-union-of-balt" \
  -H "Authorization: Bearer YOUR_API_KEY"
Explore API DocumentationUse with Claude