Credit union · NCUA insured
RT Federal Credit Union Credit Card Rates
RT Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How RT Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Utica, NY, where RT Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
RT Federal Credit Union
9.90%APR
Visa Credit Cards
Lowest rate
Remington Federal Credit Union
6.99%APR
2nd-lowest rate
First Source Federal Credit Union
8.90%APR
RT Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where RT 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
Membership eligibility is required. Applications are subject to credit approval. Loan rates and terms are determined by overall credit history, member relationship, and are subject to change without notice.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | 9.9% fixed APR on purchases and cash advances. 25-day grace period on purchases. No annual fee or cash advance fee. 1% Foreign Transaction Fee. |
Sources (3)
All captured Oct 7, 2026
Who can join RT Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.