Credit union · NCUA insured
G.P.O. Federal Credit Union Credit Card Rates
Top CarrotG.P.O. Federal Credit Union credit card rates start at 7.99% APR. Rates checked October 16, 2026.
How G.P.O. Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Utica, NY, where G.P.O. Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
G.P.O. Federal Credit Union
– –
No ongoing APR published
Lowest rate
Remington Federal Credit Union
6.99%APR
2nd-lowest rate
First Source Federal Credit Union
8.90%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.
Visa Platinum
Membership eligibility required. Credit restrictions apply. Rates determined by overall credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.99% | None | Fixed rate as low as 7.99% APR with no annual fee. Rates based on credit history and subject to change without notice. Minimum interest charge is $1.00. Foreign transaction fee is 1%. |
| Intro, 12 months | 3.99% | None | Introductory balance transfer rate as low as 3.99% APR for up to 12 months with no transfer fee. After the 12 month introductory rate, the transfer rate reverts to the normal card rate as low as 7.99% APR. Limited-time offer. Rates based on credit history. |
Sources (3)
All captured Oct 5, 2026
Visa Secured Credit Card
Rates depending on credit history. Minimum interest charge is $1.00. Foreign transaction fee is 1%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.99%–17.99% | None | APR for purchases, cash advances, and balance transfers is 7.99% to 17.99% depending on credit history. Annual fee is none, application fee is none, balance transfer fee is none, cash advance fee is none. Foreign transaction fee is 1%. Penalty APR is 18.00% if 60 days late. |
Sources (2)
- gpofcu.com/_/kcms-doc/2089/940…pp_disclosure_7.1.22.pdf
- gpofcu.com/borrow/credit-cards/personal-credit-card.html
All captured Oct 5, 2026
Who can join G.P.O. 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This may be incomplete or out of date, so check with the credit union before you apply.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 qualify for membership if they live, work, attend school, worship, or regularly conduct business in Hamilton, Herkimer, Oneida, Madison, Otsego, Chenango, Onondaga, Lewis, or Essex County.
- Individuals qualify for membership by volunteering within the field of membership across eligible counties.
Family and household
- Immediate family or household members are eligible for membership.
Other ways
- Organizations, corporations, businesses, and other legal entities located in eligible areas or within the field of membership qualify for membership.
Membership information collected October 5, 2026.