Credit union · NCUA insured
Oneida County Federal Credit Union Credit Card Rates
Oneida County Federal Credit Union credit cards start at 12.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Oneida County Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Utica, NY, where Oneida County Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Oneida County Federal Credit Union
12.00%APR
Visa Credit Cards
Lowest rate
Remington Federal Credit Union
6.99%APR
2nd-lowest rate
First Source Federal Credit Union
8.90%APR
Oneida County Federal Credit Union credit card score
72
Credit card score
Higher than 30% of U.S. banks and credit unions
- Purchase APRPurchase APR12.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Oneida County 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 Credit Cards
Rates are subject to change. Other terms and conditions apply. Please call to confirm.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | — |
Sources (1)
- oneidacfcu.org/loans · captured Oct 7, 2026
Who can join Oneida County Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Current or former employees of Central New York Abstract Corporation (in the Oneida County Clerk's Office) are eligible for membership.
Military, government and schools
- Current or former employees of specified government and municipal entities (Oneida County, Water Board, Village of Clinton, Village of Yorkville, Village of Waterville, Village of Whitesboro, Town of New Hartford, City Of Utica, State of New York (Courts), Municipal Housing Authority, Village of New Hartford, Town of Vienna, New York Mills, Oneida County Solid Waste Authority) are eligible for membership.
Family and household
- Immediate family members of current or former employees of qualifying employer and municipal groups are eligible for membership.
Membership information collected October 5, 2026.