Credit union · NCUA insured
Teachers Federal Credit Union Credit Card Rates
Teachers Federal Credit Union credit card rates start at 12.75% APR. Rates checked October 16, 2026.
How Teachers Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Teachers Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Teachers Federal Credit Union
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU 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.
Teachers Visa Cash Back Credit Card
Subject to creditworthiness. Variable APR based on Prime Rate. Membership at Teachers required by opening a Regular Savings or Youth Savings account with a minimum $1.00 deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.85%–18.00% | None | Rate determined upon account opening based on creditworthiness. Variable APR based on Prime Rate. |
Teachers Visa Low Rate Credit Card
Subject to creditworthiness. Variable APR based on Prime Rate. Membership at Teachers required by opening a Regular Savings or Youth Savings account with a minimum $1.00 deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75%–18.00% | None | Rate determined upon account opening based on creditworthiness. Variable APR based on Prime Rate. |
Teachers Visa Platinum Credit Card
Subject to creditworthiness. Variable APR based on Prime Rate. Membership at Teachers required by opening a Regular Savings or Youth Savings account with a minimum $1.00 deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.95%–18.00% | None | Rate determined upon account opening based on creditworthiness. Variable APR based on Prime Rate. |
Teachers Visa Secured Credit Card
Secured by funds deposited into Teachers Regular Savings account. Funds in Money Market, Holiday Club, Vacation Club, Custodial, Guardianship, Estate or Living Trust, and IRA accounts may not be used as collateral. Membership at Teachers required by opening a Regular Savings or Youth Savings account with a minimum $1.00 deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.75% | None | Fixed APR of 17.75% (variable with market based on Prime Rate in application disclosure). Cash advance limit is 20% of credit line. |
Teachers Visa Student Credit Card
Designed for students building credit. Subject to creditworthiness. Variable APR based on Prime Rate. Membership at Teachers required by opening a Regular Savings or Youth Savings account with a minimum $1.00 deposit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75%–18.00% | None | Rate determined upon account opening based on creditworthiness. Variable APR based on Prime Rate. |
Who can join Teachers Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open nationwide to anyone and everyone under an open charter.
Membership information collected October 5, 2026.