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Destinations Credit Union

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Destinations Credit Union Rates & Review April 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 24, 2026

You can compare Destinations Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.50%, 6-month share certificate rates at 1.00% and 3-month share certificate rates at 0.20%. Savings rates are at 0.01% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates can be compared to Destinations Credit Union rates. 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 4.14%. Rates were last updated on 04/24/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.14%

Excellent Lower than avg

Destinations Credit Union
Main Branch Office

8767 Satyr Hill Rd
Baltimore, MD 21234

https://www.destinationscu.org

Current Rate Availability

We do not have Destinations Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates 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 2

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.14%

Return on Assets (ROA)

0.3068%

Return on Equity (ROE)

2.2431%

Non-Performing Loans Ratio (NPL)

1.30%

Total Assets

64,731,652

Total Amount of Shares and Deposits

55,968,481

Total Shares and Deposits < 1 Year

52,364,428

Total Shares and Deposits 1 3 Years

2,054,717

Total Shares and Deposits > 3 Years

1,549,336

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,538,162

Total Uninsured Shares and Deposits > $250K (F+J)

1,538,162

Total Insured Shares and Deposits > $250K (item 17 less item K)

54,430,319

Total Interest Expense (Sum of items 6 8)

401,807

Share Certificates

627

Number of Accounts for Share Drafts

3,369

IRA KEOGH Accounts

543

Number of Accounts for Regular Shares

6,472

All other shares

2,320

Net Income (unless the amount is already included in Undivided Earnings)

198,617

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,870,203

Total Liabilities

56,230,175

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Destinations Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About Destinations Credit Union

Is Destinations Credit Union a safe place to deposit money?

Yes, Destinations Credit Union is considered a safe financial institution. With a Texas Ratio of 4.1356447196697%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How 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.