Credit union · NCUA insured
Generations United Federal Credit Union Credit Card Rates
Generations United Federal Credit Union credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Generations United Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Generations United Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Generations United Federal Credit Union
11.00%APR
VISA Classic Credit Card
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Generations United Federal Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Generations United 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 Balance Transfer Credit Card
Generations United FCU has designed two different balance transfer credit card options (12 months or 24 months). Maximum balance transfer limit up to $25,000 (or $10,000 depending on credit score). 3.0% balance transfer fee applies. After promotional term ends, APR reverts to regular rate (e.g. 11.00% to 18.00%).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0.00% Introductory APR for a period of 12 billing cycles with a 3.0% balance transfer fee; after that, standard APR applies (11.00%). |
| Intro, 24 months | 5.00% | None | 5.00% Introductory APR for a period of 24 billing cycles with a 3.0% balance transfer fee; after that, standard APR applies (11.00%). |
No ongoing APR is published for this card, only the rate above.
VISA CA$HBACK CREDIT CARD
GREAT RATE AND CA$HBACK TOO!
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Rates as low as 12.9%. 36 M terms. |
Sources (1)
- gufcu.org/rates-and-calculators · captured Oct 7, 2026
VISA Classic Credit Card
Generations United FCU offers a credit card up to a $25,000 lending limit. Variable APR based on credit score. For California borrowers, the Visa Classic is a secured credit card secured by pledged shares or personal property.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.00% | None | Credit Score > 800 |
| Ongoing | 13.00% | None | Credit Score 740 – 799 |
| Ongoing | 15.00% | None | Credit Score 670 – 739 |
| Ongoing | 16.50% | None | Credit Score 580 – 669 |
| Ongoing | 18.00% | None | Credit Score 300 – 579 |
Sources (2)
All captured Oct 7, 2026
VISA Credit Builder Credit Card
A credit card that allows anyone regardless of age, income, or prior credit history to build credit safely. Credit card balance capped at $1,000.00. Requires establishing a direct deposit totaling $1,000.00 for the year ($40.00 per check). $50.00 annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 0.00% | $50 | 0% interest rate; requires direct deposit totaling $1,000.00 for the year ($40.00 per check); balance capped at $1,000.00. |
No ongoing APR is published for this card, only the rate above.
Sources (3)
All captured Oct 7, 2026
Who can join Generations United Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or volunteers of the credit union, plus any organization of such persons, are eligible.
- Employees of the United Church of Christ are eligible for membership.
- Members of the United Church of Christ are eligible for membership.
Family and household
- Spouses of persons who died while within the field of membership of this credit union are eligible.
- Members of the immediate family or household participating in the credit union are eligible.
Other ways
- Corporate or other legal entities in this charter are eligible for membership.
Cost to join
- Opening an account requires opening a share savings account with as little as $5.
Membership information collected October 5, 2026.