Credit union · NCUA insured
First New York Federal Credit Union Credit Card Rates
Top CarrotFirst New York Federal Credit Union credit card rates start at 13.40% APR. Rates checked October 16, 2026.
How First New York Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Albany, NY, where First New York Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First New York Federal Credit Union
– –
No ongoing APR published
Lowest rate
Hudson River Community Credit Union
8.90%APR
2nd-lowest rate
TCT FCU
8.96%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.
Secured Visa Credit Card
No annual fee. Promotional rate applies to existing First New York credit cardholders not currently in another promotional program.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Balance transfers for Secured card. Variable rate based on Prime + 11.75%, capped at ceiling of 18.00%. No balance transfer fee. |
Visa Credit Card
No annual or balance transfer fee. 25-day interest-free grace period on purchases. Promotional rate applies to existing First New York credit cardholders not currently in another promotional program.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 3 months | 4.99% | None | Promotional APR for purchases made during the first 90 days of card ownership for limits $5,000 - $30,000. After 90 days, rate is Prime + 6.65%. |
| Intro, 3 months | 4.99% | None | Promotional APR for purchases made during the first 90 days of card ownership for limits $250 - $4,999. After 90 days, rate is Prime + 11.65%. |
| Ongoing | 13.40% | None | Balance transfers for limits $5,000 - $30,000. Variable rate based on Prime + 6.65%. No balance transfer fee. |
| Ongoing | 18.00% | None | Balance transfers for limits $250 - $4,999. Variable rate based on Prime + 11.65%, capped at ceiling of 18.00%. No balance transfer fee. |
| Ongoing | 15.75% | None | Cash advances for limits $5,000 - $30,000. Variable rate based on Prime + 9.00%. |
Who can join First New York 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Albany, Schenectady, Rensselaer, Saratoga, or Schoharie County are eligible for membership.
Family and household
- Individuals related to an existing member are eligible for membership.
Cost to join
- Opening a Primary Share Savings Account with a $1 minimum balance is required to establish membership.
Membership information collected October 5, 2026.