Credit union · NCUA insured
St. Lawrence FCU Credit Card Rates
St. Lawrence FCU credit cards start at 8.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How St. Lawrence FCU’s credit card rates compare
Compared with banks and credit unions near Massena, NY, where St. Lawrence FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
St. Lawrence FCU
8.95%APR
- Up to
- —
Visa® Platinum Credit Card
2nd-lowest rate
SeaComm Federal Credit Union
8.99%APR
- Up to
- 17.99% APR
3rd-lowest rate
Northern Credit Union
9.40%APR
- Up to
- 18.40% APR
St. Lawrence FCU credit card score
89
Credit card score
Higher than 86% of U.S. banks and credit unions
- Purchase APRPurchase APR8.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where St. Lawrence 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.
Visa® Platinum Credit Card
Non-reward Visa® Platinum Credit Card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.95% | None | Credit Score Tier A (690 - UP). |
| Ongoing | 10.95% | None | Credit Score Tier B (640 - 689). |
| Ongoing | 12.95% | None | Credit Score Tier C (600 - 639). |
| Ongoing | 15.95% | None | Credit Score Tier D (550 - 599). |
| Ongoing | 17.95% | None | Credit Score Tier E (549 - DOWN). |
| Intro, 12 months | 0.00% | None | Balance Transfers are available for A, B and C credit scores. 0% balance transfer for 12 months then after the 12th month, rate reverts to the above rate matrix. |
Visa® Platinum Rewards Credit Card
Earn points redeemable for merchandise and travel rewards through ScoreCard.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95% | None | Credit Score Tier A (690 - UP). |
| Ongoing | 11.95% | None | Credit Score Tier B (640 - 689). |
| Ongoing | 13.95% | None | Credit Score Tier C (600 - 639). |
| Ongoing | 16.95% | None | Credit Score Tier D (550 - 599). |
| Ongoing | 17.95% | None | Credit Score Tier E (549 - DOWN). |
| Intro, 12 months | 0.00% | None | Balance Transfers are available for A, B and C credit scores. 0% balance transfer for 12 months then after the 12th month, rate reverts to the above rate matrix. |
Who can join St. Lawrence FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 St. Lawrence, Clinton, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Lewis, Oneida, Oswego, or Warren County in New York state are eligible to join.
Membership information collected October 5, 2026.