Credit union · NCUA insured
Parks Heritage Federal Credit Union Credit Card Rates
Top CarrotParks Heritage Federal Credit Union credit card rates start at 8.95% APR. Rates checked October 16, 2026.
How Parks Heritage Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Glens Falls, NY, where Parks Heritage Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Parks Heritage Federal Credit Union
– –
No ongoing APR published
Lowest rate
Hudson River Community Credit Union
8.90%APR
2nd-lowest rate
TCT FCU
8.96%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.
Parks Heritage Visa®
Low introductory APR for six months; low APR after introductory period; low APR balance transfer rates; low APR cash advance rates. No balance transfer fee, no cash advance fee, no annual fee, no over-the-limit fee, no foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.95% | None | Low introductory APR for six months; low APR after introductory period; low balance transfer and cash advance rates. No balance transfer fee, no cash advance fee, no annual fee, no over-the-limit fee, no foreign transaction fee. |
Secured Credit Card
Credit line is secured by the borrower’s money in a Parks account (the account must have $100 above the credit limit) Credit limits up to $5,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.95% | None | Credit line is secured by borrower's money in a Parks account ($100 above credit limit). Credit limits up to $5,000. |
Sources (1)
- parksheritagefcu.org/credit-cards · captured Oct 5, 2026
Who can join Parks Heritage 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, worships, or attends school in Warren, Washington, Saratoga, Essex, or Hamilton counties of upstate New York.
Membership information collected October 5, 2026.