Credit union · NCUA insured
NCPD Federal Credit Union Credit Card Rates
NCPD Federal Credit Union credit cards start at 9.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How NCPD Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where NCPD Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NCPD Federal Credit Union
9.95%APR
Visa® Signature
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
NCPD Federal Credit Union credit card score
83
Credit card score
Higher than 64% of U.S. banks and credit unions
- Purchase APRPurchase APR9.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NCPD 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.
Visa® Classic
No annual fee. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.95% | None | Fixed rate with a 25-day grace period and no annual fee. Subject to credit approval. |
| Intro, 12 months | 5.99% | None | Fixed introductory APR on balance transfers for 12 billing cycles from the date of the first balance transfer with no balance transfer fee. Returns to standard 11.95% APR after the introductory period. |
Visa® Elite
Invitation-only card reserved for members who spend $20,000 or more per year. No annual fee. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95% | None | Fixed rate with a 25-day grace period and no annual fee. Invitation only; eligibility based on annual spend ($20,000 or more per year). Subject to credit approval. |
| Intro, 12 months | 5.99% | None | Fixed introductory APR on balance transfers for 12 billing cycles from the date of the first balance transfer with no balance transfer fee. Returns to standard 9.95% APR after the introductory period. |
Visa® Signature
No annual fee. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95% | None | Fixed rate with a 25-day grace period and no annual fee. Subject to credit approval. |
| Intro, 12 months | 5.99% | None | Fixed introductory APR on balance transfers for 12 billing cycles from the date of the first balance transfer with no balance transfer fee. Returns to standard 9.95% APR after the introductory period. |
Who can join NCPD Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of federal, state, county, Metropolitan Transportation Authority (MTA) police, and municipal police protection agencies or departments who work in Nassau County, New York, are eligible for membership.
Family and household
- Immediate family members of eligible police protection agency/department employees are eligible for membership.
Membership information collected October 5, 2026.