Credit union · NCUA insured
UFirst Federal Credit Union Credit Card Rates
UFirst Federal Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How UFirst Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Plattsburgh, NY, where UFirst Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UFirst Federal Credit Union
11.99%APR
- Up to
- 17.99% APR
UFirst VISA Credit Card
Lowest rate
NorthCountry Federal Credit Union
7.45%APR
- Up to
- —
2nd-lowest rate
SeaComm Federal Credit Union
8.99%APR
- Up to
- 17.99% APR
UFirst Federal Credit Union credit card score
72
Credit card score
Higher than 32% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UFirst 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.
Share Secured VISA Credit Card
Secured card backed by funds in savings account. Minimum credit limit is $250.00 secured in savings. No minimum credit score to qualify.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed rate of 9.90% APR. Minimum credit limit is $250.00. Earn dividends on funds used to secure the account. |
Sources (1)
- ufirstfcu.net/cards/visa-credit-cards · captured Oct 5, 2026
UFirst VISA Credit Card
Rates as low as 11.99% APR up to 17.99% APR depending on creditworthiness. No annual fee. Balance transfers and no fee for cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–17.99% | None | For new accounts, balance transfers, cash advances and purchases. Payment is 3% of balance. Rates determined by credit history. |
| Ongoing | 5.99%–11.99% | None | VISA Spending Special rates apply to purchases made from October 1st, 2026 to December 31st, 2026 for current and new UFirst VISA Credit Card holders. Payment is 3% of balance. Rate determined based on credit approval. |
Sources (2)
All captured Oct 5, 2026
Who can join UFirst Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.