Credit union · NCUA insured
PSFCU Credit Card Rates
PSFCU credit cards start at 18.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How PSFCU’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where PSFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
PSFCU
18.00%APR
PSFCU Visa Choice
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
PSFCU credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR18.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PSFCU 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.
PSFCU Visa Advantage
Rate is based on credit history, collateral, and loan characteristics. Credit limit up to $30,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.74% | None | Standard variable APR applies after promotional period; rate is based on credit history, collateral, and loan characteristics. |
| Intro, 6 months | 1.99% | None | Introductory APR on new purchases for 6 months. After promotional period, standard variable APR applies. |
Sources (3)
- psfcu.com/credit-cards
- psfcu.com/about-us/terms-and-conditions/rates
- psfcu.com/lending/credit-cards/visa-advantage
All captured Oct 16, 2026
PSFCU Visa Choice
Secured credit card to build or rebuild credit. Credit limit up to $10,000. Rate is based on credit history, collateral, and loan characteristics.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Standard variable APR as low as 18.000% based on credit history, collateral, and loan characteristics. |
Sources (3)
- psfcu.com/credit-cards
- psfcu.com/about-us/terms-and-conditions/rates
- psfcu.com/lending/credit-cards/visa-choice
All captured Oct 16, 2026
PSFCU Visa Elite
Rate is based on credit history, collateral, and loan characteristics. Credit limit up to $30,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.74% | None | Standard variable APR applies after promotional period; rate is based on credit history, collateral, and loan characteristics. |
| Intro, 9 months | 0.00% | None | Introductory APR on purchases for 9 months. After promotional period, standard variable APR applies. |
| Intro, 12 months | 1.99% | None | Introductory APR on balance transfers for 12 months with no fee. After promotional period, standard variable APR applies. |
Sources (3)
All captured Oct 16, 2026
PSFCU Visa Liberty
Student rewards credit card. Credit limit up to $3,000. Students 16 to 17 years of age require parent's signature as guarantor. Students 18 to 25 years of age must show evidence of ability to repay debt, or parent's signature will be required as guarantor. Rate is based on credit history, collateral, and loan characteristics.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.74% | None | Standard variable APR applies after promotional period; rate is based on credit history, collateral, and loan characteristics. |
| Intro, 6 months | 1.99% | None | Introductory APR on purchases for 6 months. After promotional period, standard variable APR applies. |
Sources (3)
- psfcu.com/credit-cards
- psfcu.com/about-us/terms-and-conditions/rates
- psfcu.com/lending/credit-cards/visa-liberty
All captured Oct 16, 2026
PSFCU Visa Premier
Rate is based on credit history, collateral, and loan characteristics. Credit limit up to $30,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.74% | None | Standard variable APR applies after promotional period; rate is based on credit history, collateral, and loan characteristics. |
| Intro, 9 months | 1.99% | None | Introductory APR on purchases for 9 months. After promotional period, standard variable APR applies. |
| Intro, 12 months | 2.99% | None | Introductory APR on balance transfers for 12 months with no fee. After promotional period, standard variable APR applies. |
Sources (3)
- psfcu.com/credit-cards
- psfcu.com/about-us/terms-and-conditions/rates
- psfcu.com/lending/credit-cards/visa-premier
All captured Oct 16, 2026
Who can join PSFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is available to members of one of the ten sponsoring organizations.
Cost to join
- Opening a savings account and making a deposit of $10 is required to join.
Membership information collected October 5, 2026.