Credit union · NCUA insured
Sidney FCU Credit Card Rates
Sidney FCU credit cards start at 13.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Sidney FCU’s credit card rates compare
Compared with banks and credit unions near Oneonta, NY, where Sidney FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Sidney FCU
13.75%APR
- Up to
- 17.95% APR
SFCU Platinum Mastercard
Lowest rate
Leatherstocking Credit Union
9.90%APR
- Up to
- —
2nd-lowest rate
Broadview Federal Credit Union
11.74%APR
- Up to
- —
Sidney FCU credit card score
64
Credit card score
Higher than 12% of U.S. banks and credit unions
- Purchase APRPurchase APR13.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Sidney FCU 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.
SFCU Platinum Mastercard
Credit Union membership is required with a $5 minimum deposit. Rates and credit limit are determined by credit worthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75%–17.95% | None | Variable APR based on Index/10-year U.S. treasury rate and applicable Margin (ranging from 8.80% - 18.55%). The above rates and credit limit are determined by credit worthiness. |
Sources (1)
- sfcuonline.org/platinum-mastercard · captured Oct 6, 2026
Who can join Sidney FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 anyone who lives, works, worships, attends school, or regularly conducts business in specified New York counties and towns.
Employers and groups
- Employees of SFCU are eligible for membership.
Family and household
- Immediate family or household members of eligible individuals/members are eligible for membership.
Other ways
- Organizations of eligible persons, and corporate or other legal entities are eligible for membership.
Cost to join
- A minimum deposit of $5.00 is required to open an SFCU Membership Savings Account.
Membership information collected October 5, 2026.