Credit union · NCUA insured
Midstate Federal Credit Union Credit Card Rates
Midstate Federal Credit Union credit card rates start at 9.90% APR. Rates checked October 22, 2026.
How Midstate Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Midstate Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Midstate 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.
Platinum Preferred VISA
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 5.90% | None | Introductory rate for the first 12 months. |
| Ongoing | 9.90% | None | Rate applies after the initial 12-month introductory period. |
VISA Classic
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Not an introductory rate. 25 day Grace Period on Purchases. Balance computed on Average Daily Balance Method. No Minimum Finance Charge. No Transaction Fees. Late Payment fee $25.00. Free Accidental Death and Dismemberment Insurance. |
Sources (1)
- midstatefcu.org/products-services/loans · captured Oct 15, 2026
Who can join Midstate 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, attend school, own businesses, or own other legal entities in the Borough of Carteret, New Jersey, and Union County are eligible to join.
Employers and groups
- Businesses located in the Borough of Carteret, New Jersey, and Union County may join and have their employees become members.
Membership information collected October 5, 2026.