Credit union · NCUA insured
Ulster Federal Credit Union Credit Card Rates
Ulster Federal Credit Union credit cards start at 10.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Ulster Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Kingston, NY, where Ulster Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Ulster Federal Credit Union
10.95%APR
Rewards Visa Plus
Lowest rate
Rhinebeck Bank
9.24%APR
2nd-lowest rate
Self Reliance Financial Federal Credit Union
9.49%APR
Ulster Federal Credit Union credit card score
78
Credit card score
Higher than 47% of U.S. banks and credit unions
- Purchase APRPurchase APR10.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Ulster 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.
Rewards Visa
Minimum credit line of $500; Maximum credit line of $20,000 depending upon salary and credit rating. Verification of income and other supporting documentation may be required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.95% | None | Fixed APR for purchases. No annual fee. |
| Ongoing | 11.95% | None | Fixed APR for balance transfers. No annual fee. |
| Ongoing | 13.92% | None | 13.92% APR for cash advances. No annual fee. |
Rewards Visa Plus
Minimum credit line of $5,000; Maximum credit line of $20,000 depending upon salary and credit rating. $25,000 annual salary required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.95% | None | Fixed rate of 10.95% APR for qualified borrowers. |
| Ongoing | 10.95% | None | 10.95% APR, including balance transfers. No fees on balance transfers. |
| Ongoing | 13.92% | None | 13.92% APR for cash advances. |
Sources (3)
- ulsfedcu.org/credit-cards.html
- ulsfedcu.org/loans/credit-cards/rewards-visa-plus.html
- ulsfedcu.org/rates.html
All captured Oct 16, 2026
Rewards Visa Secured
The credit line is secured with funds in a credit union share account or share certificate by 150% of the limit granted. Minimum credit line of $500; Maximum credit line is dependent upon salary and total amount of funds secured.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.95% | None | Fixed APR for purchases. No annual fee. |
| Ongoing | 13.92% | None | 13.92% APR for cash advances. No annual fee. |
Sources (3)
- ulsfedcu.org/credit-cards.html
- ulsfedcu.org/loans/credit-card…ewards-visa-secured.html
- ulsfedcu.org/_/kcms-doc/1266/4…c-Opening-Disclosure.pdf
All captured Oct 16, 2026
Who can join Ulster Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Ulster County, New York.
Employers and groups
- Membership is open to businesses and other legal entities in the Ulster County community.
Family and household
- Membership extends to members' families—including spouse, children, grandchildren, siblings, parents, grandparents, and members of the immediate household—regardless of where they live.
Cost to join
- A deposit of $1.00 is required for the member savings account upon opening an account.
Membership information collected October 5, 2026.