Credit union · NCUA insured
Rutgers Federal Credit Union Credit Card Rates
Rutgers Federal Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Rutgers Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Rutgers Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Rutgers Federal Credit Union
11.90%APR
- Up to
- 14.00% APR
RFCU Visa Platinum Card
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
Rutgers Federal Credit Union credit card score
73
Credit card score
Higher than 34% of U.S. banks and credit unions
- Purchase APRPurchase APR11.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Rutgers 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.
RFCU Visa Platinum Card
All loans are subject to credit union lending guidelines and credit worthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90%–14.00% | None | FIXED rates based on credit worthiness. You will have a minimum of 25 days without a finance charge on new purchases if the total new balance is paid in full each month by the payment due date. Credit lines up to $20,000. |
Sources (2)
All captured Oct 22, 2026
Who can join Rutgers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Rutgers Council of AAUP Chapter is eligible for membership.
- Employees of Rutgers Federal Credit Union are eligible for membership.
- Rutgers University Foundation is eligible for membership.
Military, government and schools
- Employees of Rutgers University are eligible for membership.
- Students attending Rutgers, the State University of New Jersey, headquartered in New Brunswick, NJ, and limited to those living in New Jersey are eligible for membership.
Family and household
- Immediate family or household members of a credit union member are eligible for membership.
2 more ways to join
Family and household
- Spouses of persons who died while within the field of membership of RFCU are eligible for membership.
Other ways
- Retired pensioners and annuitants are eligible for membership.
Cost to join
- Requires a $5.00 cash deposit into a share savings account via deposit or payroll deduction to open membership.
Membership information collected October 5, 2026.