Credit union · NCUA insured
Advanced Financial Federal Credit Union Credit Card Rates
Advanced Financial Federal Credit Union credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Advanced Financial Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Advanced Financial Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Advanced Financial Federal Credit Union
12.49%APR
VISA Everyday Classic
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Advanced Financial Federal Credit Union credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Advanced Financial 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 Everyday Classic
Variable rate, no annual fee, 25-day grace period. Credit limit up to $10,000. Maximum APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49% | None | As low as 12.49% APR. Maximum APR on all credit card loans is 18.00%. No annual fee. |
VISA Everyday Rewards
Variable rate, no annual fee, 25-day grace period. Credit limit up to $20,000. Earn uChoose Rewards points (3X points per $1 on gas and groceries, 2X points on all other purchases). Maximum APR is 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.49% | None | As low as 14.49% APR. Maximum APR on all credit card loans is 18.00%. No annual fee. |
Who can join Advanced Financial Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or worships in Union and Essex counties, New Jersey.
Employers and groups
- Businesses, legal entities, or unincorporated organizations of members located in Essex or Union County are eligible for membership.
Family and household
- Membership is open to immediate family members (spouse, children, parents, siblings, grandparents, grandkids, stepparents, stepchildren, stepsiblings, and adoptive relationships) and household members sharing an address with eligible individuals.
Cost to join
- A minimum deposit of $5.00 is required to open a Primary Savings account to establish membership.
Membership information collected October 5, 2026.