Credit union · NCUA insured
The Summit Federal Credit Union Credit Card Rates
Top CarrotThe Summit Federal Credit Union credit cards start at 10.25% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How The Summit Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Rochester, NY, where The Summit Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
The Summit Federal Credit Union
10.25%APR
- Up to
- 18.00% APR
Visa Gold
Lowest rate
Canandaigua FCU
7.99%APR
- Up to
- —
2nd-lowest rate
Gates Chili Federal Credit Union
8.99%APR
- Up to
- —
The Summit Federal Credit Union credit card score
81
Credit card score
Higher than 56% of U.S. banks and credit unions
- Purchase APRPurchase APR10.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where The Summit 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 Gold
Variable APR based on creditworthiness and Prime Rate. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.25%–18.00% | None | APR determined upon account opening based on creditworthiness, then varies with market based on Prime Rate. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- summitfcu.org/cards/credit-cards
- summitfcu.org/cards/credit-cards/visa-platinum
- summitfcu.org/disclosures/visa…dit-card-rates-and-terms
All captured Oct 6, 2026
Visa Platinum
Variable APR based on creditworthiness and Prime Rate. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75%–18.00% | None | APR determined upon account opening based on creditworthiness, then varies with market based on Prime Rate. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- summitfcu.org/cards/credit-cards
- summitfcu.org/cards/credit-cards/visa-platinum
- summitfcu.org/disclosures/visa…dit-card-rates-and-terms
All captured Oct 6, 2026
Visa Secured
Fixed rate card. Credit limit is based on security deposit amount (refundable minimum $300 deposit; credit line $300 to $2,500) and ability to repay. Deposit earns interest at share account rate. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.45% | None | Fixed APR. Requires refundable security deposit of at least $300; credit line is $300 to $2,500. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- summitfcu.org/cards/credit-cards
- summitfcu.org/cards/credit-cards/visa-platinum
- summitfcu.org/disclosures/visa…dit-card-rates-and-terms
All captured Oct 6, 2026
Visa Signature
Variable APR based on creditworthiness and Prime Rate. Annual fee is $75. Membership eligibility required. Subject to credit approval. Must be 18 years of age or older.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.75%–18.00% | $75 | APR determined upon account opening based on creditworthiness, then varies with market based on Prime Rate. Applies to purchases, balance transfers, and cash advances. |
Sources (3)
- summitfcu.org/cards/credit-cards
- summitfcu.org/cards/credit-cards/visa-platinum
- summitfcu.org/disclosures/visa…dit-card-rates-and-terms
All captured Oct 6, 2026
Who can join The Summit Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.