Credit union · NCUA insured
NYU Federal Credit Union Credit Card Rates
Top CarrotNYU Federal Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How NYU Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where NYU Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NYU Federal Credit Union
7.90%APR
Platinum Mastercard
Lowest rate
Fox Federal Credit Union
6.95%APR
3rd-lowest rate
Educational & Governmental Employees Federal Credit Union
8.75%APR
Educational & Governmental Employees Federal Credit Union rates
NYU Federal Credit Union credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NYU 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.
Classic Mastercard
Rates are subject to credit approval and may vary based on creditworthiness. Max initial credit limit is $10,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Regular purchase APR is 11.9%. |
Sources (1)
- nyufcu.com/credit-cards · captured Oct 7, 2026
Gold Mastercard
Rates are subject to credit approval and may vary based on creditworthiness. Max initial credit limit is $20,000. Balance transfers up to $25,000 allowed subject to qualifying credit history, score, and income.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 6.90% | None | Introductory rate of 6.9% APR for the first 6 months. |
| Ongoing | 8.90% | None | Regular APR after the introductory period is 8.9%. |
Sources (1)
- nyufcu.com/credit-cards · captured Oct 7, 2026
Platinum Mastercard
Rates are subject to credit approval and may vary based on creditworthiness. Max initial credit limit is $20,000. Balance transfers up to $25,000 allowed subject to qualifying credit history, score, and income.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 5.90% | None | Introductory rate of 5.9% APR for the first 6 months. |
| Ongoing | 7.90% | None | Regular APR after the introductory period is 7.9%. |
Sources (1)
- nyufcu.com/credit-cards · captured Oct 7, 2026
Secured Mastercard Credit Card
The Secured Credit Card is just like the Classic Credit card, requiring a 125% pledge in the savings account for the duration the card is open. A NYU FCU share account is required, and member must sign a Pledge of shares agreement. Minimum credit limit is $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | APR is the same as the Classic Credit card (11.9%). Requires a 125% collateral pledge in savings account. |
Sources (1)
- nyufcu.com/credit-cards · captured Oct 7, 2026
Who can join NYU Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- U.S. consumers can join NYU FCU nationwide via complimentary enrollment in the American Consumer Council (ACC).
Military, government and schools
- Faculty, staff, administrators, employees, students, alumni, and retirees of New York University and the NYU hospital system are eligible for membership.
Family and household
- Family members through direct familial relationships or individuals sharing at least 50% of household expenses with NYU FCU members are eligible for membership.
Membership information collected October 5, 2026.