Credit union · NCUA insured
Town of Hempstead Employees Federal Credit Union Credit Card Rates
Top CarrotTown of Hempstead Employees Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Town of Hempstead Employees Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Town of Hempstead Employees Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Town of Hempstead Employees Federal Credit Union
9.90%APR
Visa Preferred
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Town of Hempstead Employees Federal Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Town of Hempstead Employees 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 Classic
25-day grace period. Backed by Visa and accepted worldwide.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Six Month intro rate. Different rates/terms may apply for applicants that do not qualify. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Oct 7, 2026
Visa Gold
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 1.99% | None | Six Month Intro rate. Different rates/terms may apply for applicants that do not qualify. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- tohefcu.org/rates-and-fees/loan-rates · captured Oct 7, 2026
Visa Preferred
25-day grace period. Backed by Visa and accepted worldwide.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | — |
Sources (1)
- tohefcu.org/loans/visa-credit-cards · captured Oct 7, 2026
Who can join Town of Hempstead Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to members or employees of the Baldwin Chamber of Commerce.
- Membership is open to employees of South Shore Association For Independent Living, Inc.
Military, government and schools
- Membership is open to members or employees of the Bellerose Terrace Fire District.
- Membership is open to employees of the Library districts within the Town of Hempstead.
- Membership is open to employees of the Sanitary districts within the Town of Hempstead.
- Membership is open to employees of the Town of Hempstead, New York.
8 more ways to join
Military, government and schools
- Membership is open to employees of the Village of Atlantic Beach, New York.
- Membership is open to employees of the Village of East Rockaway, New York.
- Membership is open to employees of the Village of Freeport, New York.
- Membership is open to employees of the Village of Hempstead, New York.
- Membership is open to employees of the Village of Island Park, New York.
- Membership is open to employees of the Village of Lynbrook, New York.
- Membership is open to volunteer firefighters within the Town of Hempstead.
Family and household
- All family members of eligible persons, including parents, grandparents, husband, wife, children, grandchildren, brothers, sisters and their spouses and children, are eligible for membership.
Membership information collected October 5, 2026.