Credit union · NCUA insured
Community Financial Services Credit Card Rates
Community Financial Services credit cards start at 17.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Community Financial Services’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Community Financial Services has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Community Financial Services
17.00%APR
VISA Platinum
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Community Financial Services credit card score
61
Credit card score
Higher than 3% of U.S. banks and credit unions
- Purchase APRPurchase APR17.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Community Financial Services 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 Platinum
Adjustable interest rates based on Prime Rate as of January 1st and July 1st. Limits up to $10,000. Free Rewards. No annual fees. No balance transfer fees. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 5.90% | None | Introductory rate for 6 months on balance transfers. No balance transfer fees. Subject to credit approval. |
| Ongoing | 17.00% | None | Adjustable interest rate based on Prime Rate as of January 1st and July 1st. No annual fees. |
Visa Classic
Adjustable interest rates based on Prime Rate as of January 1st and July 1st. Limits of up to $2500. No annual fees. No balance transfer fees. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 5.90% | None | Introductory rate for 6 months on balance transfers. No balance transfer fees. Subject to credit approval. |
| Ongoing | 18.00% | None | Adjustable interest rate based on Prime Rate as of January 1st and July 1st. No annual fees. |
Visa Gold
Adjustable interest rates based on Prime Rate as of January 1st and July 1st. Limits up to $5,000. Free Rewards. No annual fees. No balance transfer fees. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 5.90% | None | Introductory rate for 6 months on balance transfers. No balance transfer fees. Subject to credit approval. |
| Ongoing | 18.00% | None | Adjustable interest rate based on Prime Rate as of January 1st and July 1st. No annual fees. |
Who can join Community Financial Services
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, or worships in Union County, NJ.
Family and household
- The entire family of a member is eligible to join.
Membership information collected October 5, 2026.