Credit union · NCUA insured
Raritan Bay Federal Credit Union Credit Card Rates
Raritan Bay Federal Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Raritan Bay Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Raritan Bay Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Raritan Bay Federal Credit Union
10.99%APR
- Up to
- 16.99% APR
Visa Classic
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
Raritan Bay Federal Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Raritan Bay 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 Classic
Rates and credit limits based on income and credit qualifications. Borrow up to $50,000. No balance transfer fee. Fixed APR. 25-day grace period on purchases. Average daily balance calculation method.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99%–16.99% | None | Fixed APR for purchases, balance transfers, and cash advances (tiers: 10.99%, 14.99%, 15.99%, 16.99%). Rates based on individual creditworthiness. Penalty APR 18.00% if payment 60 days late. 25-day grace period on purchases. Average daily balance calculation method. |
Visa Platinum
Interest rates and credit limits based on income and credit qualifications. No balance transfer fee. Fixed APR. 25-day grace period on purchases. Average daily balance calculation method. ScoreCard Rewards program earns 1 point per dollar in qualified purchases (points expire after 36 months).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99%–17.99% | $95 | Fixed APR for purchases, balance transfers, and cash advances (tiers: 14.99%, 15.99%, 16.99%, 17.99%). Rates based on income and credit qualifications. 25-day grace period on purchases. Average daily balance calculation method. |
Who can join Raritan Bay 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Membership is open to individuals who live, work, worship, or attend school in Middlesex County.
Family and household
- Family members of members are eligible to join and remain members for life.
Membership information collected October 5, 2026.