Credit union · NCUA insured
United Poles Federal Credit Union Credit Card Rates
Top CarrotUnited Poles Federal Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How United Poles Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where United Poles Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United Poles Federal Credit Union
9.90%APR
Visa Credit Card - Gold
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
United Poles 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 United Poles 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 Credit Card - Classic
Rate based on credit history, collateral and loan characteristics. Low, fixed rate. No interest charged if balance is paid in full within 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Fixed rate. Rate based on credit history, collateral and loan characteristics. No interest charged if balance is paid in full within 25-day grace period. |
Sources (2)
All captured Oct 15, 2026
Visa Credit Card - Gold
Rate based on credit history, collateral and loan characteristics. Low, fixed rate. No annual fee. No interest charged if balance is paid in full within 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.90% | None | Fixed rate. Rate based on credit history, collateral and loan characteristics. No interest charged if balance is paid in full within 25-day grace period. |
Sources (2)
All captured Oct 15, 2026
Visa Credit Card - Platinum
Rate based on credit history, collateral and loan characteristics. Variable rate. No annual fee. No interest charged if balance is paid in full within 25-day grace period.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 5.24% | None | Purchases. Variable rate. Rate based on credit history, collateral and loan characteristics. No interest charged if balance is paid in full within 25-day grace period. |
| Ongoing | 10.24% | None | Cash advances. Variable rate. Rate based on credit history, collateral and loan characteristics. |
Sources (2)
All captured Oct 15, 2026
Who can join United Poles 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 available to employees of United Poles Federal Credit Union.
- Membership is available to members of Nest 822 of the Polish Falcons in South River, NJ.
- Membership is available to members of Polish-American Congress, the New Jersey Division.
- Membership is available to members of Polish National Fund of New Jersey.
- Membership is available to members of Polish Veterans Association in South River, NJ.
- Membership is available to members of United Poles in America, Inc. (also known as ZPA in Perth Amboy, NJ).
2 more ways to join
Family and household
- Membership is available to immediate family and household members of partner association members and Credit Union employees.
Other ways
- Membership is available to organizations of eligible persons (members of partner associations, employees, and their immediate family/household members).
Cost to join
- The minimum deposit in a share-savings account is $50.00.
- Annual dues of $20 to join ZPA, payable upfront at the time of opening an account until the end of the calendar year and thereafter on each March 1st. Minors and family members of current members are exempt.
Membership information collected October 5, 2026.