Credit union · NCUA insured
Beginnings Credit Union Credit Card Rates
Beginnings Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Beginnings Credit Union’s credit card rates compare
Compared with banks and credit unions near Ithaca, NY, where Beginnings Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Beginnings Credit Union
11.99%APR
- Annual fee
- $50
- Up to
- —
Rewards Elite
Lowest rate
Alternatives Federal Credit Union
10.99%APR
- Annual fee
- None
- Up to
- —
3rd-lowest rate
M&T Bank
13.74%APR
- Annual fee
- None
- Up to
- 20.74% APR
Beginnings Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Beginnings 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.
Classic
Credit Limit $500 - $5,000. Can help you build or rebuild credit. Low $15 annual fee that is waived if a member maintains a Direct Deposit in a Beginnings Credit Union account or has a Beginnings Credit Union Mortgage. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.40% | $15 | APR for Purchases as low as 14.40%. Actual APR is based on your creditworthiness at account opening and will vary with the market based on the Prime Rate. $15 annual fee waived if member maintains Direct Deposit in a Beginnings Credit Union account or has a Beginnings Credit Union Mortgage. |
| Ongoing | 14.40% | $15 | APR for Purchases as low as 14.40%. Actual APR based on creditworthiness at account opening and varies with market based on Prime Rate. Low $15 annual fee waived with Direct Deposit in a Beginnings Credit Union account or Beginnings Credit Union Mortgage. |
Sources (2)
All captured Oct 16, 2026
Rewards
Credit limit $500 - $25,000. No annual fee. Actual APR based on creditworthiness and varies with market Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49% | None | APR for Purchases as low as 13.49%. Actual APR based on creditworthiness at account opening and varies with market based on Prime Rate. |
Sources (1)
- beginnings.com/other/rates · captured Sep 17, 2026
Rewards Elite
Credit limit $10,000 - $50,000. $50 annual fee. Actual APR based on creditworthiness and varies with market Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99% | $50 | APR for Purchases as low as 11.99%. Actual APR based on creditworthiness at account opening and varies with market based on Prime Rate. |
Sources (1)
- beginnings.com/other/rates · captured Sep 17, 2026
Secured
Credit Limit $500 - $5,000. Can help you build or rebuild credit. Low $15 annual fee that is waived if a member maintains a Direct Deposit in a Beginnings Credit Union account or has a Beginnings Credit Union Mortgage. Secured Cards have a fixed rate. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.00% | $15 | Fixed rate APR of 17.00% for purchases as low as. Low $15 annual fee that is waived if a member maintains a Direct Deposit in a Beginnings Credit Union account or has a Beginnings Credit Union Mortgage. Credit Limit $500 - $5,000. |
Sources (2)
All captured Oct 16, 2026
Who can join Beginnings Credit Union
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