Credit union · NCUA insured
Utica District Telephone Employees Federal Credit Union Credit Card Rates
Utica District Telephone Employees Federal Credit Union credit cards start at 9.95% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Utica District Telephone Employees Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Utica, NY, where Utica District Telephone Employees Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Utica District Telephone Employees Federal Credit Union
9.95%APR
Visa® Credit Card
Lowest rate
Remington Federal Credit Union
6.99%APR
2nd-lowest rate
First Source Federal Credit Union
8.90%APR
Utica District Telephone Employees Federal Credit Union credit card score
83
Credit card score
Higher than 64% of U.S. banks and credit unions
- Purchase APRPurchase APR9.95%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utica District Telephone 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® Credit Card
Applications/increase requests are subject to approval. Optional Credit Life and Disability coverage is offered through CUNA Mutual Group. Membership eligibility applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.95% | None | Rate applies to purchases. No annual fee. Earns ScoreCard Bonus Points. Applications/increase requests subject to approval. |
Sources (1)
- utelfcu.net/accounts/visa-credit-cards · captured Oct 16, 2026
Who can join Utica District Telephone Employees Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of this Credit Union are eligible for membership.
- Employees of Verizon & subsidiaries, Spectrum Cable, and Northland Communications are eligible for membership.
Family and household
- Immediate family members and permanent household members of eligible persons, as well as surviving spouses of persons who died while in the field of membership, are eligible for membership.
Other ways
- Organizations of persons within the field of membership are eligible for membership.
Membership information collected October 5, 2026.