Credit union · NCUA insured
SECNY Federal Credit Union Credit Card Rates
SECNY Federal Credit Union credit card rates start at 8.00% APR. Rates checked October 16, 2026.
How SECNY Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Syracuse, NY, where SECNY Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SECNY Federal Credit Union
– –
No ongoing APR published
Lowest rate
Auburn Community Federal Credit Union
7.90%APR
2nd-lowest rate
Oswego County Federal Credit Union
7.90%APR
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.
MasterCard Platinum Rewards
Lines from $500-$25,000. Membership in SECNY Federal Credit Union required. Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Introductory APR for a period of 12 billing cycles. No balance transfer fee. |
| Ongoing | 10.00%–14.00% | None | After introductory period, APR will be 10.00% to 14.00%. APR based on creditworthiness. APR will vary with the market based on the Prime Rate. |
Sources (2)
All captured Oct 16, 2026
MasterCard World
Lines from $5,000-$50,000. Requires annual spend of $10,000 or more. Membership in SECNY Federal Credit Union required. Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Introductory APR for a period of 12 billing cycles. No balance transfer fee. |
| Ongoing | 8.00%–12.00% | None | After introductory period, APR will be 8.00% to 12.00%. APR based on creditworthiness. APR will vary with the market based on the Prime Rate. |
Sources (2)
All captured Oct 16, 2026
Visa Platinum Rewards
Lines from $500-$25,000. Membership in SECNY Federal Credit Union required. Balance transfers limited to maximum of $10,000 OR no more than 1/2 of available credit line.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | 0% Introductory APR for a period of 12 billing cycles. No balance transfer fee. |
| Ongoing | 10.00%–14.00% | None | After introductory period, APR will be 10.00% to 14.00%. APR based on creditworthiness. APR will vary with the market based on the Prime Rate. |
Sources (2)
All captured Oct 16, 2026
Who can join SECNY 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 persons working, living, worshipping, attending school, businesses, and legal entities in Onondaga, Madison, Oswego, and Cayuga counties.
Family and household
- Membership is open to immediate family of current members (including spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) or household members living in the same residence and maintaining a single economic unit.
Membership information collected October 5, 2026.