Credit union · NCUA insured
Island Federal Credit Union Credit Card Rates
Island Federal Credit Union credit cards start at 11.70% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Island Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Island Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Island Federal Credit Union
11.70%APR
- Up to
- 18.00% APR
Island Credit Mastercard
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
Island Federal Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Island 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.
Island Credit Mastercard
Membership eligibility applies. All offers of credit subject to credit approval. No annual fee. Internal balance transfers from another Island Federal Credit Mastercard excluded. Margin disclosed at account opening; maximum rate is 18%. Prime rate is 7.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.39% | None | Stated promotional rate of 3.39% APR is valid for new accounts only for the first 12 billing cycles (12 months) from the first qualifying transaction for new purchases. Credit approval required; applicants may be offered higher rates. |
| Ongoing | 11.70%–18.00% | None | After the promotional period, the cardholder's purchase APR will default to the regular non-promotion variable APR of Prime rate + a margin (disclosed at account opening). Current Prime rate is 7.00%. Maximum rate is 18%. Variable Rate APR as low as 11.70% (also cited as starting at 11.45% APR in FAQ on p15). Subject to credit approval. |
| Ongoing | 11.45% | None | Variable ongoing purchase APR after 12-month introductory period; rate disclosed at account opening and dependent on credit score and other factors. |
Sources (4)
All captured Oct 16, 2026
Who can join Island Federal Credit Union
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