Credit union · NCUA insured
Salt City Federal Credit Union Credit Card Rates
Top CarrotSalt City Federal Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Salt City Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Syracuse, NY, where Salt City Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Salt City Federal Credit Union
7.90%APR
Visa Platinum without Rewards
Lowest rate
Auburn Community Federal Credit Union
7.90%APR
2nd-lowest rate
Oswego County Federal Credit Union
7.90%APR
Salt City Federal Credit Union credit card score
93
Credit card score
Higher than 95% of U.S. banks and credit unions
- Purchase APRPurchase APR7.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Salt City 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 Platinum with Rewards
Consistent fixed rate applies to purchases or cash advances. Rewards card with merchandise and travel rewards. Quoted rates based on creditworthiness, qualifications, and collateral conditions. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.90% | None | Purchase rate; quoted as 'as low as'. Fixed rate. Quoted rates based on creditworthiness. |
| Ongoing | 8.90%–16.90% | None | Annual Percentage Rate (APR) for Purchases, based on creditworthiness. |
| Ongoing | 5.90% | None | Balance transfer APR (as low as). Quoted rates based on creditworthiness. |
| Ongoing | 5.90%–13.90% | None | APR for Balance Transfers, based on creditworthiness. 1% balance transfer fee ($25 min). |
Sources (3)
- saltcityfcu.org
- saltcityfcu.org/loans/personal/visa-credit-card
- saltcityfcu.org/wp-content/upl…n-Disclosure-SCFCU-1.pdf
All captured Oct 16, 2026
Visa Platinum without Rewards
Consistent fixed rate applies to purchases or cash advances. Card with a 1% lower rate and no rewards. Quoted rates based on creditworthiness, qualifications, and collateral conditions. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.90% | None | Purchase rate; quoted as 'as low as'. Fixed rate. Quoted rates based on creditworthiness. |
| Ongoing | 7.90%–15.90% | None | Annual Percentage Rate (APR) for Purchases, based on creditworthiness. |
| Ongoing | 4.90% | None | Balance transfer APR (as low as). Consolidate balances at a rate that's 3% lower than approved Salt City rate for the life of the balance. Subject to 1% balance transfer fee ($25 min). |
| Ongoing | 4.90%–12.90% | None | APR for Balance Transfers, based on creditworthiness. 1% balance transfer fee ($25 min). |
Sources (3)
- saltcityfcu.org
- saltcityfcu.org/loans/personal/visa-credit-card
- saltcityfcu.org/wp-content/upl…n-Disclosure-SCFCU-1.pdf
All captured Oct 16, 2026
Who can join Salt City Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.