Credit union · NCUA insured
Spencerport Federal Credit Union Credit Card Rates
Spencerport Federal Credit Union credit cards start at 11.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Spencerport Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, NY, where Spencerport Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Spencerport Federal Credit Union
11.90%APR
Visa Platinum Preferred with Score Card Points
Lowest rate
Canandaigua FCU
7.99%APR
2nd-lowest rate
Gates Chili Federal Credit Union
8.99%APR
Spencerport 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 Spencerport 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 Preferred with Score Card Points
Rates are subject to change and are dependent upon credit approval. Fixed interest rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Fixed rate of interest; 25-day grace period for purchases; no balance transfer or cash advance fees. Rates dependent upon credit approval. |
Who can join Spencerport 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, or attend school in Monroe or Orleans Counties, NY are eligible for membership.
Family and household
- Immediate family members (spouse, child, parent, grandparent, grandchild, sibling, step-parent, step-child, step-sibling) of current members are eligible for membership.
- Household members of current members (persons living in the same residence maintaining a single economic unit) are eligible for membership.
- The spouse of someone who died while part of the Spencerport Federal Credit Union field of membership is eligible to join.
Other ways
- Individuals who actively volunteer within communities in Monroe or Orleans Counties, NY are eligible for membership.
Cost to join
- Requires opening a Share Savings Account with an initial deposit of at least $20.
Membership information collected October 5, 2026.