Credit union · NCUA insured
Academic Federal Credit Union Credit Card Rates
Academic Federal Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Academic Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Academic Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Academic Federal Credit Union
10.90%APR
VISA Platinum
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Academic Federal Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Academic Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Classic
Fixed interest rate. Zero annual fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.40% | None | Fixed interest rate. |
VISA Gold
Fixed interest rate. Zero annual fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.40% | None | Fixed interest rate. |
VISA Platinum
Fixed interest rate. Zero annual fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Fixed interest rate. |
VISA Secured
Must secure funds against an Academic FCU account. The secured amount is held for the life of the card. Minimum limit of $500.00. Zero annual fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Fixed interest rate. Secured by funds held in Academic FCU account; minimum limit of $500.00. |
Who can join Academic Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees in the field of education (elementary, secondary, or post-secondary schools) within the Bronx, Brooklyn, Manhattan, Queens, Staten Island, Westchester County, and Rockland County.
- Persons retired as pensioners or annuitants from eligible education employment, as well as volunteers.
Family and household
- Immediate family members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive relationships) or household members of eligible persons.
Other ways
- Spouses of persons who died while within the field of membership, and organizations of eligible persons.
Cost to join
- A $20.00 balance in a primary share account and at least one transaction per year are required to remain a member in good standing.
Membership information collected October 5, 2026.