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Advertiser Disclosure
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 Destinations Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 13, 2026
Destinations Credit Union's top rates as of October 13, 2026 are 3.30% APY on its Share & IRA CDs - 12 month, 0.10% APY on savings, 3.25% APY on checking, 6.50% on its Home Loans (15-Year Fixed) mortgage, personal loans from 10.69% APR, and credit cards from 7.50% APR, according to rates verified by MonitorBankRates. Other Destinations Credit Union CD rates include Share & IRA CDs - 36 month at 3.15%, Share & IRA CDs - 6 month at 3.15%, and Share & IRA CDs - 24 month at 3.10%. Other Destinations Credit Union mortgage rates include 15-Year Fixed Home Loan at 6.50%. MonitorBankRates evaluates the financial stability of Destinations Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.41%. Rates last updated and verified on 10/13/2026. Destinations Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Destinations Credit Union? Share your experience about Destinations Credit Union by leaving a review below, or read customer reviews before you decide to use Destinations Credit Union. Destinations Credit Union
Main Branch/Office 8767 Satyr Hill Rd
https://www.destinationscu.org Baltimore, MD 21234  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Destinations Credit Union CD Rates
Destinations Credit Union Savings Rates
Destinations Credit Union Checking Rates
Destinations Credit Union Mortgage Rates
Destinations Credit Union Home Equity & HELOC
Destinations Credit Union Auto Loan Rates
Destinations Credit Union RV, Boat and Powersport Loan Rates
Destinations Credit Union Credit Card Rates
Destinations Credit Union Personal Loan Rates
Destinations Credit Union Other Rates
Financial Health HistoryDestinations Credit Union’s Texas Ratio stayed near 1.75% in Q3 2023 to 1.41% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Destinations Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Destinations Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Destinations Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Destinations Credit Union
Website
https://www.destinationscu.org
Address
8767 Satyr Hill Rd,
Baltimore, MD 21234
Phone
410-663-2500
Fax
410-663-2150
President
Elizabeth Kreider
CEO
Brian Vittek
Full-Time Employees
16
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.41%
Return on Assets (ROA)
0.1817%
Return on Equity (ROE)
1.3207%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
65,357,172
Total Amount of Shares and Deposits
56,699,830
Total Shares and Deposits < 1 Year
52,993,086
Total Shares and Deposits 1 3 Years
2,817,655
Total Shares and Deposits > 3 Years
889,089
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,433,009
Total Uninsured Shares and Deposits > $250K (F+J)
1,433,009
Total Insured Shares and Deposits > $250K (item 17 less item K)
55,266,821
Total Interest Expense (Sum of items 6 8)
277,676
Share Certificates
630
Number of Accounts for Share Drafts
3,338
IRA KEOGH Accounts
535
Number of Accounts for Regular Shares
6,183
All other shares
2,239
Net Income (unless the amount is already included in Undivided Earnings)
118,745
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,018,067
Total Liabilities
56,878,640
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Destinations Credit UnionHow many branches does Destinations Credit Union operate?Destinations Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Destinations Credit Union?Yes, to access services at Destinations Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Destinations Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Destinations Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Destinations Credit Union offer online and mobile banking?Most modern institutions like Destinations Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.destinationscu.org. Current Destinations Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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