Credit union · NCUA insured
First Choice Financial Federal Credit Union Credit Card Rates
Top CarrotFirst Choice Financial Federal Credit Union credit card rates start at 8.90% APR. Rates checked October 16, 2026.
How First Choice Financial Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Gloversville, NY, where First Choice Financial Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Choice Financial Federal Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
KeyBank
20.74%APR
- Up to
- 27.74% APR
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.
Share Secured Visa Classic
Secured by funds in your savings account with a minimum credit limit of $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Fixed rate of 17.99% APR for purchases, balance transfers, and cash advances. |
Visa Classic Credit Card
Minimum credit limit of $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for 12 billing cycles from account opening on purchases only. |
| Ongoing | 13.90% | None | Standard ongoing rate after introductory period for purchases, balance transfers, and cash advances. |
Visa Platinum Credit Card w/ Rewards
Minimum credit limit of $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for 12 billing cycles from account opening on purchases and balance transfers. Existing balances on First Choice Financial Federal Credit Union loan or credit card accounts are not eligible. |
| Ongoing | 8.90% | None | Standard ongoing rate after introductory period. |
Who can join First Choice 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, worship, attend school, or have a business in Fulton or Montgomery Counties, or the Towns of Arietta, Benson, Hope, Wells, Speculator, Lake Pleasant, or Indian Lake in Hamilton County.
Cost to join
- An initial share deposit of $5.00 or more is required to join.
Membership information collected October 5, 2026.