Credit union · NCUA insured
People's Alliance Federal Credit Union Credit Card Rates
People's Alliance Federal Credit Union credit card rates start at 9.90% APR. Rates checked October 16, 2026.
How People's Alliance Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where People's Alliance Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
People's Alliance 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.
Gold Mastercard
Minimum credit limit of $500.00. Membership eligibility required ($5 minimum deposit into member share account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.99% | $20 | Introductory APR for 12 months on purchases and balance transfers of $1,000 or more that post within the first 60 days of account opening for new PAFCU Mastercard accounts. |
| Ongoing | 10.90% | $20 | APR as low as 10.90% after introductory period ends for members with qualifying direct deposit of net pay and a PAFCU checking account. |
| Ongoing | 12.90% | $20 | Standard APR after introductory period without qualifying direct deposit and checking account. |
Sources (1)
- pafcu.org/mastercard · captured Oct 5, 2026
Platinum Mastercard
Minimum credit limit of $5,000.00. No annual fee. Membership eligibility required ($5 minimum deposit into member share account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.99% | None | Introductory APR for 12 months on purchases and balance transfers of $1,000 or more that post within the first 60 days of account opening for new PAFCU Mastercard accounts. |
| Ongoing | 9.90% | None | APR as low as 9.90% after introductory period ends for members with qualifying direct deposit of net pay and a PAFCU checking account. |
| Ongoing | 11.90% | None | Standard APR after introductory period without qualifying direct deposit and checking account. |
Sources (1)
- pafcu.org/mastercard · captured Oct 5, 2026
Teen Mastercard
Available to 13-17 year old members (with a parent or guardian to cosign). Minimum credit limit of $500.00, maximum of $1,000.00. No annual fee. Membership eligibility required ($5 minimum deposit into member share account).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.99% | None | Introductory APR for 12 months on purchases and balance transfers of $1,000 or more that post within the first 60 days of account opening for new PAFCU Mastercard accounts. |
| Ongoing | 9.90% | None | APR as low as 9.90% after introductory period ends for members with qualifying direct deposit of net pay and a PAFCU checking account. |
| Ongoing | 11.90% | None | Standard APR after introductory period without qualifying direct deposit and checking account. |
Sources (1)
- pafcu.org/mastercard · captured Oct 5, 2026
Who can join People's Alliance 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 select geographical areas in NY and FL.
Employers and groups
- Individuals can qualify for membership by joining the American Consumer Council (ACC) or the New York Credit Union Foundation (NYCUF), with membership covered by PAFCU.
- Employees of more than 400 PAFCU partner companies can apply for membership.
Family and household
- Family members of current members, including immediate relatives and relatives by marriage or adoption, are eligible for membership.
- Family members of employees of more than 400 PAFCU partner companies can apply for membership.
Membership information collected October 5, 2026.