Credit union · NCUA insured
Members 1st of NJ Federal Credit Union Credit Card Rates
Members 1st of NJ Federal Credit Union credit cards start at 10.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Members 1st of NJ Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Vineland, NJ, where Members 1st of NJ Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Members 1st of NJ Federal Credit Union
10.50%APR
- Up to
- 18.00% APR
VISA Platinum Credit Card
Lowest rate
Bridgeton Onized Federal Credit Union
6.00%APR
- Up to
- —
2nd-lowest rate
Bay Atlantic Federal Credit Union
9.90%APR
- Up to
- —
Members 1st of NJ Federal Credit Union credit card score
81
Credit card score
Higher than 54% of U.S. banks and credit unions
- Purchase APRPurchase APR10.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members 1st of NJ 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.
Secured Credit Card
Secured credit cards are available. No Annual Fee. 25-day Interest-Free Grace Period On Purchases. No Balance Transfer Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.50%–18.00% | None | — |
Sources (2)
All captured Oct 22, 2026
VISA Platinum Credit Card
No Annual Fee. 25-day interest-free grace period on purchases. No balance transfer fee. ATM cash advances available. Rates vary based on credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.50%–18.00% | None | Rates shown are subject to change and are for qualified borrowers; rate varies based on credit history. |
| Ongoing | 9.50% | None | Balance transfer offer to new or current VISA Platinum Card. Rates shown are for qualified borrowers and may vary based on credit history. No balance transfer fee. |
| Intro, 24 months | 3.99% | None | Special 3.99% APR balance transfer offer for 24 months for transfers completed between October 1, 2026 and December 1, 2026. After the promotional time frame expires, remaining balances migrate to standard APR. |
Who can join Members 1st of NJ Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of select employer member groups are eligible for membership.
- Retirees of select employer member groups are eligible for membership.
Family and household
- Immediate family members of select employer group employees are eligible for membership.
Cost to join
- Membership requires opening a Share Savings Account and depositing and maintaining a minimum balance of $5.00.
Membership information collected October 5, 2026.