Credit union · NCUA insured
NY TEAM Federal Credit Union Credit Card Rates
NY TEAM Federal Credit Union credit card rates start at 9.90% APR. Rates checked October 16, 2026.
How NY TEAM Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where NY TEAM Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NY TEAM 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.
Classic Rewards Card
Membership required, $1.00 minimum regular savings account required at or prior to account opening. Rate based on creditworthiness/credit score. Rate shown is the lowest rate available / assumes payment discount.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.80%–14.88% | None | Rate based on credit score. $10,000 maximum amount. Cash Advance & Balance Transfer Rate. No annual fee. Rate listed as 14.88% APR on rate sheet (as of 11/16/23) and 14.80% APR on product page. Rates shown assume payment discount. |
No-Frills Platinum Card
Membership required, $1.00 minimum regular savings account required at or prior to account opening. Rate based on creditworthiness/credit score. Rate shown is the lowest rate available / assumes payment discount.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90%–14.88% | None | Rate based on credit score. $10,000 maximum amount. Cash Advance & Balance Transfer Rate. No annual fee. Rates assume payment discount. |
| Intro, 18 months | 0.00% | None | Introductory balance transfer offer for 18 months. 3.00% balance transfer fee (finance charge). After promotional rate, rate reverts to regular APR (9.90% to 14.88% based on credit score). Any existing balances on NY TEAM FCU loan or credit card accounts are not eligible. May end introductory APR and apply penalty/prevailing APR if 60 days late in making a payment. |
Who can join NY TEAM Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of qualifying select employer groups and organizations (including Long Island Rail Road, MTA, Staten Island Rapid Transit, Amtrak, Conrail, NJ Transit, Metro North, Aeroflex, Eagle Electric, This Week Publications, Visiting Nurses, NCC, and White Rose) are eligible for membership.
- Employees of Credit Union Trade Associations (including NY TEAM Federal Credit Union, N.Y. Credit Union League, Credit Union National Association in Washington, and National Association of Federal Credit Unions) are eligible for membership.
Family and household
- Any relative by blood or marriage of a current NY TEAM Federal Credit Union member is eligible to join regardless of where they live or work.
Cost to join
- A deposit of $1.00 must be deposited and maintained in a regular share account to open and maintain membership.
Membership information collected October 5, 2026.