Credit union · NCUA insured
TCT FCU Credit Card Rates
Top CarrotTCT FCU credit cards start at 8.96% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How TCT FCU’s credit card rates compare
Compared with banks and credit unions near Albany, NY, where TCT FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
TCT FCU
8.96%APR
VISA Platinum Credit Card
Lowest rate
Hudson River Community Credit Union
8.90%APR
3rd-lowest rate
Heritage Family Credit Union
9.99%APR
TCT FCU credit card score
89
Credit card score
Higher than 86% of U.S. banks and credit unions
- Purchase APRPurchase APR8.96%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where TCT 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
No annual fee. Fixed rates where paying late will not increase APR. Rate is based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.96% | None | Fixed purchase rate as low as 8.96% APR based on creditworthiness. |
| Ongoing | 6.96%–14.96% | None | Fixed balance transfer rate for the life of the balance, based on creditworthiness. No balance transfer fee. |
Sources (1)
- tctfcu.org/credit-card · captured Oct 5, 2026
Who can join TCT FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Faculty and staff at 47 school districts are eligible for membership.
- Students at eligible schools are eligible for TCT membership.
Membership information collected October 5, 2026.