Credit union · NCUA insured
Local 804 Federal Credit Union Credit Card Rates
Local 804 Federal Credit Union doesn’t publish an ongoing APR for its credit cards, only a 12-month introductory rate. Rates checked October 16, 2026.
How Local 804 Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Local 804 Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Local 804 Federal Credit Union
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%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.
Local 804 FCU Visa Platinum Credit Card
Available with or without rewards. Maximum $20,000 credit limit with no over-limit fee. Credit Disability and Life Insurance available. Membership open to members and employees of Local 804 IBT, Local 808 IBT, Local 447 IAMAW, and their families.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00%–1.99% | None | 0% to 1.99% introductory APR for the first 12 months. New credit card accounts only. Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. |
| Intro, 12 months | 0.00% | None | 0% APR on balance transfers for 12 months processed within first 12 months of account opening. New credit card accounts only. Rates, terms, and conditions are subject to change and may vary based on creditworthiness and qualifications. All loans subject to approval. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- cu804.org/credit-cards · captured Oct 7, 2026
Who can join Local 804 Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members and employees of Local 447 IAMAW.
- Membership is open to members and employees of Local 804 IBT.
- Membership is open to members and employees of Local 808 IBT.
Family and household
- Membership is open to family members of Local 804 FCU members / eligible union members and employees.
Cost to join
- A minimum deposit of $5.00 is required to open an account.
Membership information collected October 5, 2026.